Other Insurance Coverages

Depending on your specific situation, there are other insurance coverages that may provide important protection to you and your practice. Contact one of our agents to find out more.

Business Auto

If you're using your personal auto for work—trips to the post office, driving to a trade show or community event—make sure you have the right auto insurance. How your car is used, how it's titled and how it's insured are all important considerations in determining how to insure your car.

If your vehicle is registered in the name of your practice, you may need a business auto policy. Business auto policies protect you and your business if you are involved in an accident in which the vehicle is titled to your business.

This coverage includes bodily injury liability as well as physical damage coverage.

Flood

Floods can happen in every state. And just a few inches of water can result in significant damage to your practice. Your business insurance policy does not cover flood damage. However, flood coverage is available as a separate policy.

A 30-day waiting period is required on most flood insurance applications. (No waiting period applies if closing on a new loan for property.)

Earthquake

Earthquakes are not always covered under a standard Business Owners' Policy but can usually be added by endorsement.

Surety Bond

A surety bond is required by the Centers for Medicare & Medicaid for all suppliers of Durable Medical Equipment, Prosthetics, Orthotics and Supplies (DMEPOS). A surety bond guarantees the performance of a specific obligation.

ERISA

An endorsement may be added to your business owners' insurance policy to cover your ERISA fiduciary responsibility if you offer a 401k or other type of retirement benefit to your employees. 

Employee Benefits

Insurance coverage is available to employers for errors or omissions in the administration of an employee benefit program. This may include failure to advise employees of benefit programs.

Business Insurance

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Call us for helpful support at 800-769-2000 ext. 8180

NCMIC Insurance Services is a licensed insurance agency. Insurance coverage is underwritten through some of the nation's leading insurance carriers. CA license #0B84564. In NY: NCMIC Insurance Agency. In MI: NCMIC Insurance Services Agency, Inc.