Florida Ophthalmologist Insurance. Ophthalmologists are licensed medical doctors who specialize in the diagnosis, treatment, and prevention of disease, injury, damage, or loss to the eye. They may prescribe corrective lenses or medications. Ophthalmologists perform eye surgery needed to correct farsightedness or nearsightedness using laser or refractive surgery. Other surgical procedures include cataract removal, corneal transplants, vitreous or retinal repair, or enucleation. While most ophthalmologists work from their own private offices, some are employed by hospitals or clinics.
Following is important information you should know about Florida ophthalmologist insurance as you look for the right coverage for your practice.
Florida ophthalmologist insurance protects your practice from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
There are so many areas where professional (malpractice) Florida ophthalmologist insurance can help protect your practice.
Premises Liability: This is where slip and fall claims happen. Although the exposure is minimal, the Florida ophthalmologist insurance general liability offers protection.
FL Workers comp is a type of Florida ophthalmologist insurance that is required for any non-owner or partner employees in most states. When an employee suffers an injury, the incidence is immediately reported to the workers compensation insurance carrier. The employee then seeks proper medical attention, while the insurance company caters for the bills. However, if an employee misses work due to the injury, the insurance company pays the worker limited benefits to cover the lost time.
Property Exposure: Property exposure is for crime and fire and weather damage. A majority of the asset items are covered with the surgeons and physicians inland marine floater. However, business interruption exposure can be minimized if the ophthalmologists have arranged for temporary facilities with other FL ophthalmologists.
Inland Marine Exposure: Inland marine exposure is the surgeons and physicians floater items. This coverage includes items that the Ophthalmologist might take off site to address emergencies. This Florida ophthalmologist insurance can be extended to cover all office furnishings.
An Ophthalmologist office will include a sophisticated computer as well as medical equipment. The electrical wiring should be up to code and the equipment properly maintained. However, a small fire, which produces smoke, can cause lots of damage due to the need for sterile equipment. Additional exposures that Florida ophthalmologist insurance can cover may include accounts receivable, valuable papers and records which include patient's records plus medical research books.
When binding any Florida ophthalmologist insurance, it's important to carefully define your practice's needs, the required limits and any extra protections that reflect your specific circumstances.
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