The liability of not having the right liability

General Liability and Professional Liability Insurance language can be confusing. And while it’s not meant to cause anxiety and confusion, the terms, definitions and knowing what is actually covered can be frustrating. Let’s start with the basics of Professional Liability and General Liability. Professional Liability insurance is designed to cover you while you are carrying [...]

Claims-Made Versus Occurrence: Know Your Policy

Insurance can be confusing, but can be broken into two basic categories: claims-made or occurrence policies. It’s important to know which you have and the difference between these policies. Claims-made policies require a claim to be made against the insured—and reported to the insurer—during the policy period, or effective dates. Claims-made policies can also include [...]

The Language of Insurance

Words, terms and phrases to know before you buy Insurance comes with its own language and it can be confusing; making the process of buying insurance feel overly burdensome.  We want to ensure that you feel comfortable and confident in purchasing insurance as a practicing optometrist, and have outlined the most common terms you may [...]

Cyber Breaches Of Patient Records, HIPAA Regulations… And How To Protect Your Practice.

Cyber data breaches of information, a relatively new phenomenon, are in many ways uncharted territory, with healthcare providers a frequent target. Many optometrists feel they are “too small” for a cyber attack of any kind, falsely thinking because they are not a big box store or national brand that no one would bother with their [...]

7 Things Every Optometrist Needs To Know About Insurance Coverage.

Whether you’re a seasoned optometrist with 30 years of practice under your belt, or a newly minted professional just starting out, having the right liability insurance is essential. Every practice is different, with diverse coverage needs and circumstances. Here are a just a few of the questions medical professionals often ask the AOA Insurance Alliance [...]

Avoid 5 common malpractice claims.

What you need to know. Unfortunately, every practice is exposed to risk, and with risk comes the potential of a lawsuit. This article outlines the 5 most common malpractice claims and tips on how to avoid them. Inadequate Informed Consent – Having the proper informed consent documents for each patient is critical and one of [...]