REIMBURSEMENT FOR LEGAL EXPENSE COVERAGE FOR COURT OR REVIEW BOARDS
While most carriers do not offer this en- dorsement as part of their business owners policy, MDIS’ carriers do! This is an im- portant coverage to have if you’re called in front of a court or review board for issues other than treatment of patients and it does just what it says: reimburses you for legal expenses.
TENANTS IMPROVEMENTS AND BETTERMENTS
Do you lease your office space? If so, check your current policy to see if you have cover- age for leasehold improvements (otherwise known as tenants’ improvements and bet- terments). Often, we learn that our insureds (as tenants) are responsible for the improve- ments they make to their office space. Un- sure? Check your lease agreement. Tenants’ improvements and betterments or leasehold improvements would include items such as operatory cabinets, light fixtures, paint, flooring, etc. If you don’t have insurance protection for items such as these, you may end up paying out of pocket to restore these enhancements.
As an insured, you may or may not realize commercial property insurance rates are often based on the property value in which your practice is housed, as well as overall lo- cation, building type (age, construction, con- dition of building), and not only your own loss history but losses nationwide. Due to widespread losses across the nation, we saw significant increases in property rates over the last year. Especially for building owners. This is yet another reason to take the time to look over your policy. We know this task may seem daunting but it’s important to make sure you have adequate coverage and that your liability exposures are being addressed. If you are not sure where to start, MDIS is happy to review your current policy, offer suggestions or even provide a no-obligation quote. MDIS is here to help!
Lindsey Kutscher, Licensed Agent, is the MDIS Practice Insurance Manager. Contact her at
info@mdis4dds.com or call 800-944-7550.
800-944-7550 /
MDIS4DDS.COM
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ISSUE 1 | SPRING 2025 | focus 23
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