May 15, 2025
Mikel's Insurance ServicesHow Insurance Companies Calculate Premiums: Behind the Scenes
Whether you want to cover your personal interests or your family’s financial future, suitable insurance policies can represent critical investments. However, while insurance can help with economic security, maintaining your policies can impose additional strains on your budget. Understanding how carriers calculate your premiums may help you stretch these dollars further and maximize cost-efficiency. How […]
April 25, 2025
Mikel's Insurance ServicesThe Impact of Home Security Systems on Insurance Rates
Home security systems have become increasingly popular for the comfort they can offer and their potential to lower home insurance rates. Insurance providers often recognize that homes equipped with security systems are less likely to be burglarized or suffer significant damage, leading to fewer claims and, consequently, lower premiums. The Relationship Between Home Security and […]
March 25, 2025
Mikel's Insurance ServicesCommon Dental Malpractice Claims in California
Dental malpractice occurs when a dental professional deviates from the standard of care, causing harm to a patient. In California, several types of dental malpractice claims are frequently encountered. Understanding these can help patients recognize potential issues and seek appropriate legal recourse. 6 Potential Claims to Know About Understanding common dental malpractice claims can be […]
February 24, 2025
Mikel's Insurance ServicesHow Can I Properly Insure My Dental Practice?
Managing a dental practice goes beyond delivering patient care; it also entails protecting your business from numerous risks. Adequate insurance coverage can be crucial to help ensure the safety of your practice, employees and patients. Insurance for Dental Practices The following are types of insurance a dental practice should consider: General liability insurance—This coverage can […]
January 22, 2025
Mikel's Insurance ServicesWhen Should I Get Life Insurance?
Life insurance can be an essential financial resource that offers reassurance and financial protection for your loved ones when you pass away. Deciding when to get life insurance can be complex, influenced by various life stages and personal circumstances. When to Consider Life Insurance The following are some key moments when you should consider getting […]
December 19, 2024
Mikel's Insurance ServicesThe Importance of Having Umbrella Insurance for Your Dental Practice
When it comes to dental practices, ensuring financial protection against unforeseen liabilities is paramount. While standard liability insurance covers many risks, it may not be sufficient in the face of significant claims. This is where umbrella insurance becomes crucial, offering an additional layer of security that can safeguard your practice from potentially devastating financial consequences. […]
November 25, 2024
Mikel's Insurance ServicesLandlord Insurance for Short-term Rentals: What You Need to Know
Operating short-term rentals, such as those listed on Airbnb, presents unique challenges and risks for landlords. Unlike traditional rental properties, short-term rentals experience higher turnover rates, a diverse range of guests, and increased wear and tear. These factors necessitate specialized insurance coverage that standard landlord insurance policies may not adequately provide. Unique Risks of Short-term […]
October 8, 2024
Mikel's Insurance ServicesDoes Workers’ Compensation Cover Work-related Illnesses?
Workers’ compensation is a form of insurance designed to protect employees who suffer from injuries or illnesses related to their jobs. While most people associate workers’ compensation with physical injuries like broken bones or sprains, it’s also important to understand how this insurance applies to work-related illnesses. Coverage for Work-related Illnesses Workers’ compensation typically covers […]
June 13, 2024
Mikel's Insurance ServicesExploring the Role of Professional Liability Insurance in Dental Malpractice Cases
Professional liability insurance for dental care professionals, also known as dental malpractice insurance, is often a critical investment for those in this medical industry segment. These policies can provide essential coverage for legal costs and damages related to professional errors or negligence claims. As such, securing and maintaining a suitable policy may be crucial in […]
May 9, 2024
Mikel's Insurance ServicesProfessional Liability Insurance for Dentists: Protecting Your Practice
As a dentist, you are relied upon by patients, families and the community at large to provide essential medical services. A person’s oral health can significantly impact their overall well-being, and even slight conditions or issues could quickly become long-term struggles without your assistance. However, while your profession may be necessary and your intentions good, […]