Is our professional work as a hospital, laboratory, imaging/endoscopy center, or pharmacy at risk of suffering a financial loss due to our medical negligence?
If so, have we arranged insurance coverage on policy language that adequately covers those risks?
Under our malpractice insurance, What is Extended Reporting Period and Do I need that? hat do I need to know about the intricacies of a Claims Made Policy?
Is it better for our malpractice insurance Defense Costs to be inside or outside the policy limits of liability?
Is it better for us to purchase a package policy with General-Professional Liability combined into one policy rather than as separate policies for each coverage?
If we purchase a package policy for General and Professional Liability are the limits of liability shared or separated?
Should we expect to get malpractice coverage with an A rated insurer without having to pay a higher price for doing so?
Will our Umbrella or Excess Liability policy also include coverage that causes an extension of our malpractice insurance policy limits to a higher level?
Is it better to insure expensive medical equipment under an equipment policy rather than a regular business property policy form?
Can we assume that our General Liability would cover Sexual Misconduct?
Are there issues I need to deal with concerning Certificates of Insurance?
Am I required to * name my clients as additional insured? * endorse my policies with a waiver of subrogation? * endorse my general liability policy to be primary and non-contributory?
Do I pay people to work for my business that I consider to be an employee or an independent contractor? If so...
Have I arranged Workers' Compensation Insurance to protect me from being legally responsible for damages suffered by either an injured employee or independent contractor?
Do I have the necessary extension to my Workers' Compensation policy to cover myself, officers, and partners if we are injured on the job?
Have I avoided buying Workers' Compensation insurance to save money? If so, have I compared those savings to the potential costs of not having coverage?
What is an Insurance Premium Audit? When would an Audit be performed? Who will conduct the audit? Do I need to be available to meet with the Auditor?
How will an Audit be conducted? Will someone visit in person? Might it be done over the phone? Will I need to provide a report?
What types of information will I need to provide? General information? Payroll information? Tax information? Sales information?
What do I need to do to prepare for my Audit? How should I organize my Payroll records? By policy period? By classification code? By overtime and regular?
What is included in Gross Payroll for Audit purposes? Should I request Certificates of Insurance from all my Subcontractors?
How many different Mechanical Systems does my business depend on? Electrical, A/C & Refrigeration, Boilers & Pressure Vessels...
...Computers & Servers, Communications Equipment, MRI, X-Ray, Scanners, Elevators, Escalators, CNC Manufacturing, Robotics?
How many ways can Mechanical Breakdowns affect my business? Could a simple short damage the whole system, or damage simple equipment?
Mechanical systems fail. Are we prepared to lose elevators, production equipment, generators, or pumps? How would a loss of A/C affect me, my customers, or my tenants?
How would a loss of A/C affect me, my customers, or my tenants?
Will my property insurance cover damage from flood waters? What does flood insurance cover? Do I have to buy flood insurance on my commercial property?
How do I know what my risk is of being flooded? Where can I buy flood insurance? How much flood coverage can I get?
If I purchase flood insurance now, when will I actually be covered?
As a building tenant, does your lease make you responsible for replacing the glass windows of your leased space in the event they are damaged?
If so, does your insurance program cover your exposure to loss regarding that responsibility?
Do we have adequate limits to replace our building or contents if we suffer a loss?
Have we calculated replacement cost of our building, to avoid being penalized for underinsurance in case of a claim? If not, how will we establish that replacement cost?
Hurricane Season comes every year - Are we subject to a separate wind deductible or early cancellation penalties?
What are the risks of having windstorm coverage that expires during hurricane season? Should we consider buying flood insurance?
Do we need to insure Outdoor Property? Signs. Fences. Carports. Ancillary Buildings. If we have others property stored on our premises, is it covered under our policy?
What about coverage for Mechanical Breakdowns, Backed-Up Drains, Sewer Lines, Law and Ordinance, Business Income, or Lost Rents?
If, after a substantial covered Loss, Ordinances in my community require me to demolish the entire structure and rebuild, rather than repairing it...
... Would my property policy cover the cost of rebuilding the undamaged portion? Would my property policy cover demolition cost of the damaged portion?
If, after a Covered Loss, building codes require modification, would my property insurance cover these items? Sprinkler system, elevators, ADA compliance, energy efficient upgrades?
How do we calculate the amount of business income coverage needed? Do we need coverage for ordinary payroll?
What are dependent properties? Do we need coverage for those?
What about: Waiting period? Extended period of indemnity? Civil authority coverage?
What about: Utility Service Time Element Coverage or Extra Expense coverage?