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Georgia Dental Insurance Services Introduces Personal Lines Insurance for You and Your Staff

The Georgia Dental Insurance Services (GDIS) team is excited to announce that beginning in January 2017, GDIS will start offering personal lines insurance, written through Safeco Insurance, a Liberty Mutual Company. With this addition, GDIS and the Georgia Dental Association can now assist you with all of your insurance needs—personal and professional.

Your GDIS team has over 75 years of combined business and personal lines insurance experience and is the in-house agency trusted by your association. You will always speak with an experienced licensed agent who works exclusively with dentists to best protect your practice, your home, your vehicles and your family. We understand what is important to you and we know the best way for you to protect it.

As an added member benefit, this new personal lines product is not only being offered to you but to your staff as well!

From auto and home insurance to property, malpractice insurance and more, the GDIS team is always available to answer your questions and review each of your policies. Let us help you find the best coverage options and see how much you can save.

Lower Home & Auto Premiums Without Sacrificing Protection

Georgia Dental Insurance Services is proud to now offer personal lines of insurance through our newest partner, Safeco. From home, auto, jewelry insurance and more, personal insurance lines help protect what’s important to you.

How does auto insurance protect you?
Auto insurance protects you against a financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance, required in the state of Georgia, provides property, liability, and medical coverage:
• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for
bodily injury or Property damage.
• Medical coverage pays for the cost of treating injuries,
rehabilitation, and sometimes lost wages and funeral

How does homeowners insurance protect you?
Homeowners insurance is a form of property insurance designed to protect an individual’s home against damages to the house itself, or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

Can my jewelry be added to my homeowner’s policy?
Yes, you can add your jewelry to your homeowner’s policy. You may need a current appraisal depending on the company.

How do insurance companies determine my premium?
Insurance companies use statistic based factors such as place of residency, credit score and the likelihood of your vehicle being stolen.

Are there discounts to have your home and auto with the same carrier?
Yes! When you combine your home and auto insurance, most carriers will give a multi policy discount. You can save up to 15% with GDSI and SafeCo by packaging your policies.

Why would I need umbrella insurance?
Imagine if your dog were to bite a neighbor’s child. Or if there’s an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets—or your future earnings.

GDIS is proud to partner with Safeco Insurance Company, a Liberty Mutual Insurance company which has been protecting individuals and families with personal insurance coverage since 1923. Liberty Mutual Insurance ranks on the Fortune 100 list of the largest U.S. corporations, and Safeco Insurance Company has financial strength ratings of A (Excellent) from the A.M. Best Company.

Competitive Protection for Your Business

In 2016, hundreds more Georgia dentists found competitive, comprehensive coverage at GDIS. From business policies to workers’ compensation coverage, GDIS can provide high quality, attentive service—and help you consolidate all your policies with one company, endorsed by your GDA.

How does property insurance protects you?
Property insurance protects your buildings, glass, equipment and business property. Property coverage will cover your business for losses in the event of a fire, vandalism, or theft.

Does my property insurance have a deductible?

Yes, your property coverage will have a deductible. You should check your policy and know what your deductible is.

What is business income insurance?
Business income insurance will reimburse you for continuing expenses such as utility bills as well as net income you would have earned if a covered loss had not occurred.

How does general liability coverage protect my business?
General liability insurance can protect you if an individual or another business claims your company or your employee was negligent and is responsible for bodily injuries, property damage, financial loss, personal injury or advertising injury. Not only can general liability pay the cost of covered damages but it can also cover your attorney fees.

What is employment practices liability insurance (EPLI)?
Employment practices liability insurance is designed to protect employers against claims of employee sexual harassment, discrimination or wrongful termination.

How does an umbrella insurance policy work?
Umbrella insurance is designed to protect business owners against large losses. If you have Hartford Insurance for your business insurance and your workers’ compensation insurance, your umbrella policy can extend over to both policies.

What does workers' compensation insurance do?
Most states require that employers carry workers’ compensation insurance. Workers’ compensation coverage helps employers pay for medical care, lost wages and rehabilitation services for their employees who become injured on the job or who become ill directly because of their occupation.

How much does workers compensation cost?
The cost of workers’ compensation depends on your annual payroll and the number of employees you have employed. Some states such as Georgia allow officers to opt out of this coverage and therefore the officer’s salary is not included in the payroll figure.

For more than 30 years, The Hartford has had a team of small business insurance specialists dedicated to serving small businesses such as dental practices. A Fortune 500 company, Hartford Insurance counts more than 1 million small business owners who trust them for their insurance needs. Hartford’s claims experience consistently earns industry leading ratings and reviews from our small business insurance customers and our middle and large business clients. In 2016, the Ethisphere® Institute named The Hartford a World’s Most Ethical Company® for the eighth time.

Liability Coverage from an Industry Leader

Your malpractice insurance policy is one of the most important purchases that you’ll make. Being informed when choosing a company and policy type can have long-lasting
effects. The GDA is proud to partner with Medical Protective with over 115 years of experience in protecting the assets and reputations of dentists like you. Plus, Medical Protective is a Berkshire Hathaway company with the highest financial ratings in the industry. What does that mean for you? Stable premiums. Exceptional courtroom performance. Policy provisions that are in your favor. As a new GDA member benefit, every new dental school graduate is offered the first year of coverage at no cost.

How does malpractice Insurance protect you?

Medical professional liability insurance, sometimes known as medical malpractice insurance, is one type of professional liability insurance which protects dentists from liability associated with wrongful practices resulting in bodily injury, medical expenses and property damage, as well as the cost of defending lawsuits related to such claims.

Are there different types of malpractice insurance?
There are two basic types of malpractice insurance—occurrence or claims-made. Many insurers write on a claims-made form basis where a policy in effect at the time a claim is reported responds for the loss, while the policy remains in force and during any applicable extended reporting period. The policy that was more popular in earlier times is occurrence-made which covers a loss that “occurs” during the policy period, regardless of when the claim was made, and even after the policy has been canceled

Does the financial stability of my carrier matter?
A financially stable company carrier is important because even though you may file a claim today, it may take years to be resolved. When you’re looking for a professional liability carrier you want to choose a carrier that is strong enough to take care of your needs today but tomorrow as well.

Since 1899 Medical Protective has been servicing the healthcare community. Medical Protective has earned financial strength ratings: A++ (A.M. Best) and AA+ (Standard & Poor’s). A Berkshire Hathaway Company, Medical Protective has Billions in assets
to handle claims. Impressively, the Medical Protective claims department has a 90% trial win rate, and 80% of claims are closed without payment. Medical Protective continues to be a leader in the malpractice industry.