BOP It
The business is BOP eligible as long as annual sales do not exceed _____
$8.5M
A place where you will be asked about sunscreen usage.
Dermatologist's office (88575)
This medical business might help you catch some z's, but will not be able to be written with Liberty Mutual due to increased premises liability exposures presented by 24 hour operations and impaired physical mobility of patients.
Sleep Center
If typed into the description of operations, this word for the act of decontamination will trigger an underwriter referral.
Disinfect
The premises liability exposure will be greatly impacted by the business's ______.
Hour's of operation or Housekeeping practices (Team's Discretion)
The business is BOP eligible as long as the building it occupies does not exceed _____ stories.
20
A place full of experts on the use of food to promote health and manage disease.
Nutritionist's Office (88616)
This medical business, which has increased foot traffic, more patients with impaired physical mobility, and handles more pressing matters is outside of our appetite regardless of the product.
Urgent Care
If typed into the description of operations, this word for physical discomfort will trigger an underwriter referral.
Pain
A lot of medical professionals have an increased Worker's Comp exposure due to potential exposure to ______.
Bloodborne Pathogens
Are employees trained in taking the proper universal precautions against bloodborne pathogens? What personal protective equipment, if necessary, is provided for employees?
The Business is BOP eligible as long as the total number of locations do not exceed ______
10
A place that provides life-changing treatment, support and care for children and adults who have difficulties with communication.
Speech Therapist's Office (88648)
This medical business is helpful to aspiring parents, but falls outside of our appetite due to increased vandalism loss potential, a concentration of high-value equipment for analyzing samples and increased property exposures presented by specialized temperature control needs.
Fertility Clinic
If typed into the description of operations, this word for restoring someone to health or normal life through training and therapy will trigger an underwriter referral.
Rehabilitation
A _____ dental practice will have an increased premises liability exposure presented by the average age of its patients.
Pediatric
Dentists' offices that practice pediatric dentistry or orthodontics will have an added exposure because there will be many children in the office. Proper supervision is essential. Does the insured require children be accompanied by a parent? Are appointments scheduled so that there is not a preponderance of children at any one time?
Dentists Offices are often misclassified under this code because not only are the operations similar, but this code also has a cheaper rate.
82011 Office: Medical
A place full of pins and needles.
Acupuncture Office (88543)
This medical procedure helps people suffering from kidney failure, however it falls outside of our appetite due to increased premises liability exposure presented by impaired physical mobility of patients and the amount of specialized equipment needed.
Dialysis
If typed into the description of operations, this phrase for domestic procedures will trigger an underwriter referral.
home health care
Patients of this medical practice who have an adverse reaction to testing or treatment will be at increased risk for injuries from slips, trips, and falls due to vision impairment.
Optometrist's Office
Does the insured request patients who have their pupils dilated or receive eye drops remain in the office for a specified amount of time before leaving the office, or have another person drive them home?
This business collects samples for medical testing purposes. While it is within appetite, it is not eligible for the BOP product.
Diagnostic Testing Laboratories - 46112
The correct property classification for a LRO with an Urgent Care tenant is _____.
44439 Health Care Facilities- clinics, dispensaries or Infirmaries Treating Outpatients Only – No Regular Bed and Board Facilities – Other than Not for Profit.
Due to loss results it was determined that while these operations may be acceptable they are much better suited on a product other than a BOP. We do have the professional liability coverage available for them through form CG2265.
Optometrists
If the agent answers 'yes' to the question "Is there any equipment over $______ in value?" the quote will refer to underwriting.
$500,000
Professional Liability exposure for an Optometrist's office could be greatly impacted by whether or not they employ a _____ Optician on the premises
Dispensing
These individuals are responsible for fitting eyeglasses and contact lenses according to prescriptions written by optometrists and ophthalmologists. In addition, dispensing opticians measure clients' eyes, including the distance between the centers of the pupils and the distance between the eye surface and the lens. What are the qualifications and experience of the insured's dispensing opticians? While some optometrists hire individuals with no background in the profession or those who have worked as ophthalmic laboratory technicians and then provide relevant training, some states require dispensing opticians to register with their state as apprentices and train from two to four years. What is the insured's country or state licensure examination requirements for dispensing opticians?