medical Archives - Scharver Insurance Group

Apr 26

Tips to help control insurance costs

By Scharver Insurance Group accident, agent, auto, backup, building materials, bundling, claims, Consumer Tips, costs, credit, credits, deductibles, expenses, generator, guidance, independent, injuries, Insurance, labor, medical, multi-policy discount, premiums, protection, purchase, replacement, review, safety, shut-off

Insurance premiums are tied closely to costs of labor, building materials and medical care. As these prices rise, the costs to treat injuries after an auto accident or to repair or replace your home, car and belongings also increase. The post Tips to help control insurance costs appeared first on The Cincinnati Insurance Companies blog.

Aug 31

What to expect when you apply for life insurance

By Scharver Insurance Group agent, application, apply, client, diagnoses, driving, exam, examination, family, health, hospital, independent, information, Insurance, Life Insurance, medical, physician, premiums, prescription, protect, question, smoking, target, The Cincinnati Life Insurance Company, travel, underwriting, workplace

You have discussed your life insurance needs with your agent and you’re ready to complete an application. What’s next? That depends. The post What to expect when you apply for life insurance appeared first on The Cincinnati Insurance Companies blog.

Mar 09

Coping with loss in a catastrophe: What to do

By Scharver Insurance Group agent, assess, auto, business, calm, catastrophe, claims, company, contact, damage, disaster, drowning, earthquake, electrocution, emergency, family, flood, hail, home, hurricane, hurt, independent, injure, injured, Insurance, loss, medical, number, people, personal, power, prevent, property, protect, Spring Storms, storm, survey, tornado, water, wildfire, wind

Protecting yourself and your family is your first priority in the aftermath of a catastrophic event. When your auto, home, business or personal property is damaged or destroyed by a tornado, hail, flood or other destructive event, focus on people first. The post Coping with loss in a catastrophe: What to do appeared first on The Cincinnati Insurance Companies blog.

Mar 02

Make a generator part of your emergency backup plan

By Scharver Insurance Group agent, backup, carbon monoxide, cooling, critical, damage, dark, earthquake, emergency, family, frozen, fuel, generator, grounded, heating, Home Protection-Safety, hurricane, independent, Insurance, internet, light, medical, outage, permanent, pipes, portable, power, prevent, property, protect, refrigeration, safe, safety, security, source, spoiled, Spring Storms, Storm Prep, systems, Winter Prep, wired

Does your emergency preparedness plan include a generator? Whether you’re facing a public safety power shutoff in California due to red flag wildfire conditions or an ice storm, heavy snow or hurricane that downed power lines or another manmade or environmental emergency, it’s a good idea to be ready for power outages. The post Make a generator part of your emergency backup plan appeared first on The Cincinnati Insurance Companies blog.

Aug 18

Professional liability coverage options for dentists

By Scharver Insurance Group agent, Business Insurance, Chicago Dental Society, claims-made, conditions, consistent, coverage, dentist, exclusions, form, independent, Insurance, liability, limits, medical, occurrence, premium, prevent, procedures, professional, protect, risk, scenario, terms

The July-August 2020 edition of CDS Review, a publication of the Chicago Dental Society, features an article by Mike Terrell, national program director for Cincinnati’s dentist, veterinarian and optometrist programs. His article describes the differences between occurrence and claims-made insurance coverages and the benefits of each type. The post Professional liability coverage options for dentists appeared first on The Cincinnati Insurance Companies blog.

Jul 09

How not to get stuck in a hospital far from home

By Scharver Insurance Group agent, app, application, care, claim, Consumer Tips, crisis, disaster, domestic, financial, form, health, hospital, hospitalized, independent, Insurance, jet, language, medical, Medjet, MedjetAssist, MedjetHorizon, member, membership, mobile, MyCincinnati, natural, overseas, patient, payments, phone, protect, response, risk, security, service, support, terrorism, threat, transfer, transport, travel, treatment, violence, violent

You know how important it is to be treated by physicians you trust in a facility you choose. Yet many people, when faced with an accident or illness while traveling, find themselves stuck in a hospital far from home – at the mercy of health or travel insurance companies in determining the “acceptability” of a facility and the “medical necessity” of a transfer home. The post How not to get stuck in a hospital far from home appeared first on The Cincinnati Insurance Companies blog.

Oct 02

Know the basics of employment practices liability

By Scharver Insurance Group agent, allegations, business, club, cover, coverage, directors, discrimination, disgruntled, duties, EEOC, employee, employment, fitness, Fitness & Recreation, gym, harassment, independent, Insurance, lawsuit, liability, managers, medical, practices, professional, protect, risk, sexual, sports, sue, suit, supervisors, termination, worker, wrongful

The August edition of ClubSolutions Magazine, a publication for health club operators, features an article by Jayson Scott, national program director for Cincinnati’s fitness, sports and recreation program. He discusses how even the most professional workplace has a liability risk from a disgruntled former employee. The post Know the basics of employment practices liability appeared first on The Cincinnati Insurance Companies blog.

Aug 21

4 reasons small businesses decline EPLI coverage

By Scharver Insurance Group agent, business, Business Insurance, claim, claims, cost, cover, coverage, defense, dental, distributor, employment, EPLI, funds, independent, industries, Insurance, large, legal, liability, manage, managing, manufacturer, medical, practices, process, protect, publisher, restaurant, retail, risk, small

Many owners of smaller businesses make assumptions about Employment Practices Liability Insurance – and some of those assumptions are not true. EPLI coverage provides vital protection for a small business. EPLI provides a limit of insurance, separate from the standard commercial policy, to protect your business operations against many actual or alleged wrongful acts. Those could include personnel and staffing matters, hiring and firing or allegations of discrimination in the workplace. Because circumstances can vary widely, it’s important to assess your situation, consult with your attorney and speak to an The post 4 reasons small businesses decline EPLI coverage appeared…

Jun 12

Prevent falls: Help seniors live healthier lives

By Scharver Insurance Group adult, adults, aged, agent, aging, bar, care, ear, elder, elderly, eye, fall, falls, foot, footwear, grab, hazard, health, hearing, hip, home, hospital, independent, injured, injury, Insurance, mat, mature, medical, medicine, non-slip, older, outside, prevent, protect, railings, rails, rug, safe, safety, Safety Tips, senior, shoe, shower, stairs, steps, toilet, trip, tub, vision, walker

As Americans age, seniors are especially at risk of being injured by a fall. But it doesn’t have to be that way. Falls should not be considered a normal, expected result of aging. Nevertheless, they can be serious and costly for older adults. The post Prevent falls: Help seniors live healthier lives appeared first on The Cincinnati Insurance Companies blog.

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