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PERSONAL INSURANCE
Gracey-Backer, Inc. has been writing insurance for individuals and families since 1925. We represent the finest insurance companies. As independent agents, we can “comparison shop” for the best coverage at the best price. Our staff is competent and experienced CONTACT US | GRACEY BACKER, INC. Gracey Backer, Inc. takes care of our clients’ needs. Clients may contact us to inquire and schedule a consultation. DO I NEED TO PURCHASE FLOOD INSURANCE IF I LIVE ON AN When summer rolls around in Florida, the torrential rains threaten to cause flooding. And this is only the beginning, because then we have hurricane season, with its inherent risk of intense floods. With so many homeowners in Florida living in condominiums, we are often asked if they need flood insurance, especially if they are on the upper floors. The answer is simple. Yes, a Florida HOW MUCH PERSONAL UMBRELLA COVERAGE SHOULD I CARRY An umbrella policy only pays once your primary liability limits have been exhausted. The claim will be made against you, the policyholder, on behalf of the wronged party. Then your insurance company may pay the settlement amount up to the limits of your coverage. (Most umbrella insurers require underlying liability limits of $300,000 or$500,000.)
IF I LIVE ON THE SECOND FLOOR OF A CONDOMINIUM DO I STILL This is a question we are asked all the time by Florida homeowners. The answer is simple—yes you should purchase flood insurance even if you are on upper stories of a new condominium. This is especially true if your building is located near the ocean. The biggest flood exposure you have is if we experience a major hurricane or tidal surge which undermines the structure of the entire building GENERAL LIABILITY COVERAGE FOR THE PHYSICIAN AND DENTIST We hear questions from our medical and dental practices concerning general liability insurance, namely what is it, why do I need it, what does it cover, and does it duplicate other coverage? The following attempts to answer these questions about general liability insurance for the medical and dental practice. What does general liability insurance cover? General liability insurance for the WHY DO I NEED TO GET A WIND MITIGATION INSPECTION DONE ON After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation techniques, upgrades, or retrofits to make their home stronger. In return, Florida homeowner’s insurance WHY IS MY INSURANCE WRITTEN THROUGH AN EXCESS AND SURPLUS Generally, a policy is written through the Excess and Surplus Lines company (E&S) because a standard carrier will not write the risk. The reasons for this are many, but usually include: The risk does not meet underwriting guidelines of standard carriers, due to claims history, age of the property, location or the risk, or cancellation by another company; Your risk is not familiar to the COVERAGE FOR FACIAL COSMETICS, DERMAL FILLERS, AND BOTOX In an effort to expand their practices, many dentists and oral surgeons are performing facial cosmetic and botox procedures. Patients who, in the past, might have chosen these procedures to correct physical malformations are now turning to facial cosmetic procedures to improve their appearance and mitigate the signs of aging. Thanks to advanced medical equipment, most of these HOME - GRACEY-BACKER, INC. Gracey-Backer, Inc. is an independent insurance agency based in Delray Beach, Florida. Established in 1925, we have expanded to serve all of Florida and the Southeastern United States. The agency specializes in Professional Liability, Personal and Commercial Insurance.PERSONAL INSURANCE
Gracey-Backer, Inc. has been writing insurance for individuals and families since 1925. We represent the finest insurance companies. As independent agents, we can “comparison shop” for the best coverage at the best price. Our staff is competent and experienced CONTACT US | GRACEY BACKER, INC. Gracey Backer, Inc. takes care of our clients’ needs. Clients may contact us to inquire and schedule a consultation. DO I NEED TO PURCHASE FLOOD INSURANCE IF I LIVE ON AN When summer rolls around in Florida, the torrential rains threaten to cause flooding. And this is only the beginning, because then we have hurricane season, with its inherent risk of intense floods. With so many homeowners in Florida living in condominiums, we are often asked if they need flood insurance, especially if they are on the upper floors. The answer is simple. Yes, a Florida HOW MUCH PERSONAL UMBRELLA COVERAGE SHOULD I CARRY An umbrella policy only pays once your primary liability limits have been exhausted. The claim will be made against you, the policyholder, on behalf of the wronged party. Then your insurance company may pay the settlement amount up to the limits of your coverage. (Most umbrella insurers require underlying liability limits of $300,000 or$500,000.)
IF I LIVE ON THE SECOND FLOOR OF A CONDOMINIUM DO I STILL This is a question we are asked all the time by Florida homeowners. The answer is simple—yes you should purchase flood insurance even if you are on upper stories of a new condominium. This is especially true if your building is located near the ocean. The biggest flood exposure you have is if we experience a major hurricane or tidal surge which undermines the structure of the entire building GENERAL LIABILITY COVERAGE FOR THE PHYSICIAN AND DENTIST We hear questions from our medical and dental practices concerning general liability insurance, namely what is it, why do I need it, what does it cover, and does it duplicate other coverage? The following attempts to answer these questions about general liability insurance for the medical and dental practice. What does general liability insurance cover? General liability insurance for the WHY DO I NEED TO GET A WIND MITIGATION INSPECTION DONE ON After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation techniques, upgrades, or retrofits to make their home stronger. In return, Florida homeowner’s insurance WHY IS MY INSURANCE WRITTEN THROUGH AN EXCESS AND SURPLUS Generally, a policy is written through the Excess and Surplus Lines company (E&S) because a standard carrier will not write the risk. The reasons for this are many, but usually include: The risk does not meet underwriting guidelines of standard carriers, due to claims history, age of the property, location or the risk, or cancellation by another company; Your risk is not familiar to the COVERAGE FOR FACIAL COSMETICS, DERMAL FILLERS, AND BOTOX In an effort to expand their practices, many dentists and oral surgeons are performing facial cosmetic and botox procedures. Patients who, in the past, might have chosen these procedures to correct physical malformations are now turning to facial cosmetic procedures to improve their appearance and mitigate the signs of aging. Thanks to advanced medical equipment, most of these ABOUT US | GRACEY BACKER, INC. Gracey-Backer, Inc. is an Independent Insurance Agency located in Delray Beach, Florida. As an independent agent, we are your advocate in navigating the complex world of insurance. With a statewide presence and years of experience, Gracey-Backer has the strength and “clout” to secure the finest insurance protection at the mostreasonable cost.
INSURANCE FOR DENTISTS Gracey-Backer, Inc. has been insuring Florida dentists since 1982 and has a passion for dentists. We are intimately aware of your insurance needs. We monitor your insurance closely every year to be sure you are getting the best coverage for the most competitive price. We provide all types of insurance that a dentist and dental practice should have. INSURANCE FOR PHYSICIANS& SURGEONS| GRACEY BACKER, INC. Physicians & Surgeons. As Medical Malpractice Insurance specialists, we offer you, the Florida physician, the finest professional liability coverage, the most competitive prices, and the wise counsel you deserve. We handle insurance programs for over 2,000 Florida Healthcare Professionals all across the state-and have for over 30years.
WHY IS MY INSURANCE WRITTEN THROUGH AN EXCESS AND SURPLUS Generally, a policy is written through the Excess and Surplus Lines company (E&S) because a standard carrier will not write the risk. The reasons for this are many, but usually include: The risk does not meet underwriting guidelines of standard carriers, due to claims history, age of the property, location or the risk, or cancellation by another company; Your risk is not familiar to the OUR TEAM | GRACEY BACKER, INC. Gracey Backer, Inc. has a dedicated staff to assist you with all your insurance needs. Our team is always ready to help you get the rightcover.
COVERAGE FOR FACIAL COSMETICS, DERMAL FILLERS, AND BOTOX In an effort to expand their practices, many dentists and oral surgeons are performing facial cosmetic and botox procedures. Patients who, in the past, might have chosen these procedures to correct physical malformations are now turning to facial cosmetic procedures to improve their appearance and mitigate the signs of aging. Thanks to advanced medical equipment, most of these WHAT IS MEDICAL MALPRACTICE SURPLUS LINES INSURANCE If a physician and surgeon malpractice insurance company in Florida is referred to as a “standard” carrier, it means that it is licensed with the Department of Insurance to write business in Florida. If a person cannot be written in the standard marketplace, because it is too big, too unusual, or too risky, it is placed with an insurer that is not licensed in the state. The Excess and DO I NEED TO SCHEDULE MY JEWELRY AND FINE ARTS ON A We are asked by Florida homeowners if there is an advantage to scheduling their jewelry and fine arts on a Florida homeowner’s insurance policy. The answer is not so simple. Blanket vs. Scheduled Jewelry and Fine Arts: If you have a large amount of smaller valued items, it is probably best to cover them on a blanket basis. There are internal per item sub-limits of coverage, however, so if THE TOP FIVE QUESTIONS ABOUT MEDICAL MALPRACTICE INSURANCE The answer is simple: yes and no. Florida doctors are generally required to purchase medical malpractice insurance in order to practice. If they wish to have hospital privileges, they are generally required to purchase $250,000 of insurance coverage or more. There is one hitch, however. Florida doctors may demonstrate financialresponsibility
WHAT DOES THE LIMIT OF LIABILITY MEAN ON A DENTAL One of the most important decisions a dentist or oral surgeon will make regarding his dental malpractice insurance is which ‘limit of liability” to choose. There are many options, and the premium varies according to how much coverage is chosen. The “limit of liability” on a dental malpractice insurance policy is the amount of money a dental malpractice insurance company will pay for HOME - GRACEY-BACKER, INC. Gracey-Backer, Inc. is an independent insurance agency based in Delray Beach, Florida. Established in 1925, we have expanded to serve all of Florida and the Southeastern United States. The agency specializes in Professional Liability, Personal and Commercial Insurance.PERSONAL INSURANCE
Gracey-Backer, Inc. has been writing insurance for individuals and families since 1925. We represent the finest insurance companies. As independent agents, we can “comparison shop” for the best coverage at the best price. Our staff is competent and experienced CONTACT US | GRACEY BACKER, INC. Gracey Backer, Inc. takes care of our clients’ needs. Clients may contact us to inquire and schedule a consultation. DO I NEED TO PURCHASE FLOOD INSURANCE IF I LIVE ON AN When summer rolls around in Florida, the torrential rains threaten to cause flooding. And this is only the beginning, because then we have hurricane season, with its inherent risk of intense floods. With so many homeowners in Florida living in condominiums, we are often asked if they need flood insurance, especially if they are on the upper floors. The answer is simple. Yes, a Florida HOW MUCH PERSONAL UMBRELLA COVERAGE SHOULD I CARRY An umbrella policy only pays once your primary liability limits have been exhausted. The claim will be made against you, the policyholder, on behalf of the wronged party. Then your insurance company may pay the settlement amount up to the limits of your coverage. (Most umbrella insurers require underlying liability limits of $300,000 or$500,000.)
IF I LIVE ON THE SECOND FLOOR OF A CONDOMINIUM DO I STILL This is a question we are asked all the time by Florida homeowners. The answer is simple—yes you should purchase flood insurance even if you are on upper stories of a new condominium. This is especially true if your building is located near the ocean. The biggest flood exposure you have is if we experience a major hurricane or tidal surge which undermines the structure of the entire building GENERAL LIABILITY COVERAGE FOR THE PHYSICIAN AND DENTIST We hear questions from our medical and dental practices concerning general liability insurance, namely what is it, why do I need it, what does it cover, and does it duplicate other coverage? The following attempts to answer these questions about general liability insurance for the medical and dental practice. What does general liability insurance cover? General liability insurance for the WHAT IS THE PENALTY FOR NOT CARRYING WORKERS’ COMPENSATION It seems like we are getting calls every day from physician and dental offices which are facing fines and penalties because investigators discover that they don’t carry Florida Workers’ Compensation Insurance. State investigators conduct routine job-site inspections of physician and dental offices to ensure compliance with the Florida Workers’ Compensation law. When a physician or WHY DO I NEED TO GET A WIND MITIGATION INSPECTION DONE ON After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation techniques, upgrades, or retrofits to make their home stronger. In return, Florida homeowner’s insurance THE IMPACT OF PHYSICIAN EXTENDERS ON MEDICAL MALPRACTICE With the growing shortage of primary care physicians, there is a dramatic increase in the number of employed Physician Assistants and Nurse Practitioners—who function under the supervision of a physician. These “Physician Extenders”, the term used to describe healthcare providers who are not physicians but who perform medical activities typically performed by physicians, play a vital HOME - GRACEY-BACKER, INC. Gracey-Backer, Inc. is an independent insurance agency based in Delray Beach, Florida. Established in 1925, we have expanded to serve all of Florida and the Southeastern United States. The agency specializes in Professional Liability, Personal and Commercial Insurance.PERSONAL INSURANCE
Gracey-Backer, Inc. has been writing insurance for individuals and families since 1925. We represent the finest insurance companies. As independent agents, we can “comparison shop” for the best coverage at the best price. Our staff is competent and experienced CONTACT US | GRACEY BACKER, INC. Gracey Backer, Inc. takes care of our clients’ needs. Clients may contact us to inquire and schedule a consultation. DO I NEED TO PURCHASE FLOOD INSURANCE IF I LIVE ON AN When summer rolls around in Florida, the torrential rains threaten to cause flooding. And this is only the beginning, because then we have hurricane season, with its inherent risk of intense floods. With so many homeowners in Florida living in condominiums, we are often asked if they need flood insurance, especially if they are on the upper floors. The answer is simple. Yes, a Florida HOW MUCH PERSONAL UMBRELLA COVERAGE SHOULD I CARRY An umbrella policy only pays once your primary liability limits have been exhausted. The claim will be made against you, the policyholder, on behalf of the wronged party. Then your insurance company may pay the settlement amount up to the limits of your coverage. (Most umbrella insurers require underlying liability limits of $300,000 or$500,000.)
IF I LIVE ON THE SECOND FLOOR OF A CONDOMINIUM DO I STILL This is a question we are asked all the time by Florida homeowners. The answer is simple—yes you should purchase flood insurance even if you are on upper stories of a new condominium. This is especially true if your building is located near the ocean. The biggest flood exposure you have is if we experience a major hurricane or tidal surge which undermines the structure of the entire building GENERAL LIABILITY COVERAGE FOR THE PHYSICIAN AND DENTIST We hear questions from our medical and dental practices concerning general liability insurance, namely what is it, why do I need it, what does it cover, and does it duplicate other coverage? The following attempts to answer these questions about general liability insurance for the medical and dental practice. What does general liability insurance cover? General liability insurance for the WHAT IS THE PENALTY FOR NOT CARRYING WORKERS’ COMPENSATION It seems like we are getting calls every day from physician and dental offices which are facing fines and penalties because investigators discover that they don’t carry Florida Workers’ Compensation Insurance. State investigators conduct routine job-site inspections of physician and dental offices to ensure compliance with the Florida Workers’ Compensation law. When a physician or WHY DO I NEED TO GET A WIND MITIGATION INSPECTION DONE ON After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation techniques, upgrades, or retrofits to make their home stronger. In return, Florida homeowner’s insurance THE IMPACT OF PHYSICIAN EXTENDERS ON MEDICAL MALPRACTICE With the growing shortage of primary care physicians, there is a dramatic increase in the number of employed Physician Assistants and Nurse Practitioners—who function under the supervision of a physician. These “Physician Extenders”, the term used to describe healthcare providers who are not physicians but who perform medical activities typically performed by physicians, play a vital ABOUT US | GRACEY BACKER, INC. Gracey-Backer, Inc. is an Independent Insurance Agency located in Delray Beach, Florida. As an independent agent, we are your advocate in navigating the complex world of insurance. With a statewide presence and years of experience, Gracey-Backer has the strength and “clout” to secure the finest insurance protection at the mostreasonable cost.
INSURANCE FOR DENTISTS Gracey-Backer, Inc. has been insuring Florida dentists since 1982 and has a passion for dentists. We are intimately aware of your insurance needs. We monitor your insurance closely every year to be sure you are getting the best coverage for the most competitive price. We provide all types of insurance that a dentist and dental practice should have. INSURANCE FOR ORAL SURGEONS Gracey-Backer, Inc. is the Florida, Georgia and Alabama agent for OMS National Insurance Company (OMSNIC), an “A” (Excellent) rated company designed to meet the professional liability insurance needs of the practicing oral surgeon. We have been insuring Oral Surgeons since 1982, and are intimately aware of your insurance needs. INSURANCE FOR PHYSICIANS& SURGEONS| GRACEY BACKER, INC. Physicians & Surgeons. As Medical Malpractice Insurance specialists, we offer you, the Florida physician, the finest professional liability coverage, the most competitive prices, and the wise counsel you deserve. We handle insurance programs for over 2,000 Florida Healthcare Professionals all across the state-and have for over 30years.
CONTACT US | GRACEY BACKER, INC. Gracey Backer, Inc. takes care of our clients’ needs. Clients may contact us to inquire and schedule a consultation. OUR TEAM | GRACEY BACKER, INC. Gracey Backer, Inc. has a dedicated staff to assist you with all your insurance needs. Our team is always ready to help you get the rightcover.
WHY DO I NEED TO GET A WIND MITIGATION INSPECTION DONE ON After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation techniques, upgrades, or retrofits to make their home stronger. In return, Florida homeowner’s insurance WHY IS MY INSURANCE WRITTEN THROUGH AN EXCESS AND SURPLUS Generally, a policy is written through the Excess and Surplus Lines company (E&S) because a standard carrier will not write the risk. The reasons for this are many, but usually include: The risk does not meet underwriting guidelines of standard carriers, due to claims history, age of the property, location or the risk, or cancellation by another company; Your risk is not familiar to the DO I NEED TO SCHEDULE MY JEWELRY AND FINE ARTS ON A We are asked by Florida homeowners if there is an advantage to scheduling their jewelry and fine arts on a Florida homeowner’s insurance policy. The answer is not so simple. Blanket vs. Scheduled Jewelry and Fine Arts: If you have a large amount of smaller valued items, it is probably best to cover them on a blanket basis. There are internal per item sub-limits of coverage, however, so if WHAT DOES THE LIMIT OF LIABILITY MEAN ON A DENTAL One of the most important decisions a dentist or oral surgeon will make regarding his dental malpractice insurance is which ‘limit of liability” to choose. There are many options, and the premium varies according to how much coverage is chosen. The “limit of liability” on a dental malpractice insurance policy is the amount of money a dental malpractice insurance company will pay for HOME - GRACEY-BACKER, INC. Gracey-Backer, Inc. is an independent insurance agency based in Delray Beach, Florida. Established in 1925, we have expanded to serve all of Florida and the Southeastern United States. The agency specializes in Professional Liability, Personal and Commercial Insurance.PERSONAL INSURANCE
Gracey-Backer, Inc. has been writing insurance for individuals and families since 1925. We represent the finest insurance companies. As independent agents, we can “comparison shop” for the best coverage at the best price. Our staff is competent and experienced CONTACT US | GRACEY BACKER, INC. Gracey Backer, Inc. takes care of our clients’ needs. Clients may contact us to inquire and schedule a consultation. HOW MUCH PERSONAL UMBRELLA COVERAGE SHOULD I CARRY An umbrella policy only pays once your primary liability limits have been exhausted. The claim will be made against you, the policyholder, on behalf of the wronged party. Then your insurance company may pay the settlement amount up to the limits of your coverage. (Most umbrella insurers require underlying liability limits of $300,000 or$500,000.)
DO I NEED TO PURCHASE FLOOD INSURANCE IF I LIVE ON AN When summer rolls around in Florida, the torrential rains threaten to cause flooding. And this is only the beginning, because then we have hurricane season, with its inherent risk of intense floods. With so many homeowners in Florida living in condominiums, we are often asked if they need flood insurance, especially if they are on the upper floors. The answer is simple. Yes, a Florida GENERAL LIABILITY COVERAGE FOR THE PHYSICIAN AND DENTIST We hear questions from our medical and dental practices concerning general liability insurance, namely what is it, why do I need it, what does it cover, and does it duplicate other coverage? The following attempts to answer these questions about general liability insurance for the medical and dental practice. What does general liability insurance cover? General liability insurance for the IF I LIVE ON THE SECOND FLOOR OF A CONDOMINIUM DO I STILL This is a question we are asked all the time by Florida homeowners. The answer is simple—yes you should purchase flood insurance even if you are on upper stories of a new condominium. This is especially true if your building is located near the ocean. The biggest flood exposure you have is if we experience a major hurricane or tidal surge which undermines the structure of the entire building WHAT IS THE PENALTY FOR NOT CARRYING WORKERS’ COMPENSATION It seems like we are getting calls every day from physician and dental offices which are facing fines and penalties because investigators discover that they don’t carry Florida Workers’ Compensation Insurance. State investigators conduct routine job-site inspections of physician and dental offices to ensure compliance with the Florida Workers’ Compensation law. When a physician or WHY DO I NEED TO GET A WIND MITIGATION INSPECTION DONE ON After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation techniques, upgrades, or retrofits to make their home stronger. In return, Florida homeowner’s insurance THE IMPACT OF PHYSICIAN EXTENDERS ON MEDICAL MALPRACTICE With the growing shortage of primary care physicians, there is a dramatic increase in the number of employed Physician Assistants and Nurse Practitioners—who function under the supervision of a physician. These “Physician Extenders”, the term used to describe healthcare providers who are not physicians but who perform medical activities typically performed by physicians, play a vital HOME - GRACEY-BACKER, INC. Gracey-Backer, Inc. is an independent insurance agency based in Delray Beach, Florida. Established in 1925, we have expanded to serve all of Florida and the Southeastern United States. The agency specializes in Professional Liability, Personal and Commercial Insurance.PERSONAL INSURANCE
Gracey-Backer, Inc. has been writing insurance for individuals and families since 1925. We represent the finest insurance companies. As independent agents, we can “comparison shop” for the best coverage at the best price. Our staff is competent and experienced CONTACT US | GRACEY BACKER, INC. Gracey Backer, Inc. takes care of our clients’ needs. Clients may contact us to inquire and schedule a consultation. HOW MUCH PERSONAL UMBRELLA COVERAGE SHOULD I CARRY An umbrella policy only pays once your primary liability limits have been exhausted. The claim will be made against you, the policyholder, on behalf of the wronged party. Then your insurance company may pay the settlement amount up to the limits of your coverage. (Most umbrella insurers require underlying liability limits of $300,000 or$500,000.)
DO I NEED TO PURCHASE FLOOD INSURANCE IF I LIVE ON AN When summer rolls around in Florida, the torrential rains threaten to cause flooding. And this is only the beginning, because then we have hurricane season, with its inherent risk of intense floods. With so many homeowners in Florida living in condominiums, we are often asked if they need flood insurance, especially if they are on the upper floors. The answer is simple. Yes, a Florida GENERAL LIABILITY COVERAGE FOR THE PHYSICIAN AND DENTIST We hear questions from our medical and dental practices concerning general liability insurance, namely what is it, why do I need it, what does it cover, and does it duplicate other coverage? The following attempts to answer these questions about general liability insurance for the medical and dental practice. What does general liability insurance cover? General liability insurance for the IF I LIVE ON THE SECOND FLOOR OF A CONDOMINIUM DO I STILL This is a question we are asked all the time by Florida homeowners. The answer is simple—yes you should purchase flood insurance even if you are on upper stories of a new condominium. This is especially true if your building is located near the ocean. The biggest flood exposure you have is if we experience a major hurricane or tidal surge which undermines the structure of the entire building WHAT IS THE PENALTY FOR NOT CARRYING WORKERS’ COMPENSATION It seems like we are getting calls every day from physician and dental offices which are facing fines and penalties because investigators discover that they don’t carry Florida Workers’ Compensation Insurance. State investigators conduct routine job-site inspections of physician and dental offices to ensure compliance with the Florida Workers’ Compensation law. When a physician or WHY DO I NEED TO GET A WIND MITIGATION INSPECTION DONE ON After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation techniques, upgrades, or retrofits to make their home stronger. In return, Florida homeowner’s insurance THE IMPACT OF PHYSICIAN EXTENDERS ON MEDICAL MALPRACTICE With the growing shortage of primary care physicians, there is a dramatic increase in the number of employed Physician Assistants and Nurse Practitioners—who function under the supervision of a physician. These “Physician Extenders”, the term used to describe healthcare providers who are not physicians but who perform medical activities typically performed by physicians, play a vital ABOUT US | GRACEY BACKER, INC. Gracey-Backer, Inc. is an Independent Insurance Agency located in Delray Beach, Florida. As an independent agent, we are your advocate in navigating the complex world of insurance. With a statewide presence and years of experience, Gracey-Backer has the strength and “clout” to secure the finest insurance protection at the mostreasonable cost.
INSURANCE FOR DENTISTS Gracey-Backer, Inc. has been insuring Florida dentists since 1982 and has a passion for dentists. We are intimately aware of your insurance needs. We monitor your insurance closely every year to be sure you are getting the best coverage for the most competitive price. We provide all types of insurance that a dentist and dental practice should have. INSURANCE FOR ORAL SURGEONS Gracey-Backer, Inc. is the Florida, Georgia and Alabama agent for OMS National Insurance Company (OMSNIC), an “A” (Excellent) rated company designed to meet the professional liability insurance needs of the practicing oral surgeon. We have been insuring Oral Surgeons since 1982, and are intimately aware of your insurance needs. INSURANCE FOR PHYSICIANS& SURGEONS| GRACEY BACKER, INC. Physicians & Surgeons. As Medical Malpractice Insurance specialists, we offer you, the Florida physician, the finest professional liability coverage, the most competitive prices, and the wise counsel you deserve. We handle insurance programs for over 2,000 Florida Healthcare Professionals all across the state-and have for over 30years.
CONTACT US | GRACEY BACKER, INC. Gracey Backer, Inc. takes care of our clients’ needs. Clients may contact us to inquire and schedule a consultation. OUR TEAM | GRACEY BACKER, INC. Gracey Backer, Inc. has a dedicated staff to assist you with all your insurance needs. Our team is always ready to help you get the rightcover.
WHY DO I NEED TO GET A WIND MITIGATION INSPECTION DONE ON After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation techniques, upgrades, or retrofits to make their home stronger. In return, Florida homeowner’s insurance WHY IS MY INSURANCE WRITTEN THROUGH AN EXCESS AND SURPLUS Generally, a policy is written through the Excess and Surplus Lines company (E&S) because a standard carrier will not write the risk. The reasons for this are many, but usually include: The risk does not meet underwriting guidelines of standard carriers, due to claims history, age of the property, location or the risk, or cancellation by another company; Your risk is not familiar to the DO I NEED TO SCHEDULE MY JEWELRY AND FINE ARTS ON A We are asked by Florida homeowners if there is an advantage to scheduling their jewelry and fine arts on a Florida homeowner’s insurance policy. The answer is not so simple. Blanket vs. Scheduled Jewelry and Fine Arts: If you have a large amount of smaller valued items, it is probably best to cover them on a blanket basis. There are internal per item sub-limits of coverage, however, so if WHAT DOES THE LIMIT OF LIABILITY MEAN ON A DENTAL One of the most important decisions a dentist or oral surgeon will make regarding his dental malpractice insurance is which ‘limit of liability” to choose. There are many options, and the premium varies according to how much coverage is chosen. The “limit of liability” on a dental malpractice insurance policy is the amount of money a dental malpractice insurance company will pay for HOME - GRACEY-BACKER, INC. Gracey-Backer, Inc. is an independent insurance agency based in Delray Beach, Florida. Established in 1925, we have expanded to serve all of Florida and the Southeastern United States. The agency specializes in Professional Liability, Personal and Commercial Insurance.PERSONAL INSURANCE
Gracey-Backer, Inc. has been writing insurance for individuals and families since 1925. We represent the finest insurance companies. As independent agents, we can “comparison shop” for the best coverage at the best price. Our staff is competent and experienced CONTACT US | GRACEY BACKER, INC. Gracey Backer, Inc. takes care of our clients’ needs. Clients may contact us to inquire and schedule a consultation. HOW MUCH PERSONAL UMBRELLA COVERAGE SHOULD I CARRY An umbrella policy only pays once your primary liability limits have been exhausted. The claim will be made against you, the policyholder, on behalf of the wronged party. Then your insurance company may pay the settlement amount up to the limits of your coverage. (Most umbrella insurers require underlying liability limits of $300,000 or$500,000.)
DO I NEED TO PURCHASE FLOOD INSURANCE IF I LIVE ON AN When summer rolls around in Florida, the torrential rains threaten to cause flooding. And this is only the beginning, because then we have hurricane season, with its inherent risk of intense floods. With so many homeowners in Florida living in condominiums, we are often asked if they need flood insurance, especially if they are on the upper floors. The answer is simple. Yes, a Florida GENERAL LIABILITY COVERAGE FOR THE PHYSICIAN AND DENTIST We hear questions from our medical and dental practices concerning general liability insurance, namely what is it, why do I need it, what does it cover, and does it duplicate other coverage? The following attempts to answer these questions about general liability insurance for the medical and dental practice. What does general liability insurance cover? General liability insurance for the IF I LIVE ON THE SECOND FLOOR OF A CONDOMINIUM DO I STILL This is a question we are asked all the time by Florida homeowners. The answer is simple—yes you should purchase flood insurance even if you are on upper stories of a new condominium. This is especially true if your building is located near the ocean. The biggest flood exposure you have is if we experience a major hurricane or tidal surge which undermines the structure of the entire building WHAT IS THE PENALTY FOR NOT CARRYING WORKERS’ COMPENSATION It seems like we are getting calls every day from physician and dental offices which are facing fines and penalties because investigators discover that they don’t carry Florida Workers’ Compensation Insurance. State investigators conduct routine job-site inspections of physician and dental offices to ensure compliance with the Florida Workers’ Compensation law. When a physician or WHY DO I NEED TO GET A WIND MITIGATION INSPECTION DONE ON After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation techniques, upgrades, or retrofits to make their home stronger. In return, Florida homeowner’s insurance THE IMPACT OF PHYSICIAN EXTENDERS ON MEDICAL MALPRACTICE With the growing shortage of primary care physicians, there is a dramatic increase in the number of employed Physician Assistants and Nurse Practitioners—who function under the supervision of a physician. These “Physician Extenders”, the term used to describe healthcare providers who are not physicians but who perform medical activities typically performed by physicians, play a vital HOME - GRACEY-BACKER, INC. Gracey-Backer, Inc. is an independent insurance agency based in Delray Beach, Florida. Established in 1925, we have expanded to serve all of Florida and the Southeastern United States. The agency specializes in Professional Liability, Personal and Commercial Insurance.PERSONAL INSURANCE
Gracey-Backer, Inc. has been writing insurance for individuals and families since 1925. We represent the finest insurance companies. As independent agents, we can “comparison shop” for the best coverage at the best price. Our staff is competent and experienced CONTACT US | GRACEY BACKER, INC. Gracey Backer, Inc. takes care of our clients’ needs. Clients may contact us to inquire and schedule a consultation. HOW MUCH PERSONAL UMBRELLA COVERAGE SHOULD I CARRY An umbrella policy only pays once your primary liability limits have been exhausted. The claim will be made against you, the policyholder, on behalf of the wronged party. Then your insurance company may pay the settlement amount up to the limits of your coverage. (Most umbrella insurers require underlying liability limits of $300,000 or$500,000.)
DO I NEED TO PURCHASE FLOOD INSURANCE IF I LIVE ON AN When summer rolls around in Florida, the torrential rains threaten to cause flooding. And this is only the beginning, because then we have hurricane season, with its inherent risk of intense floods. With so many homeowners in Florida living in condominiums, we are often asked if they need flood insurance, especially if they are on the upper floors. The answer is simple. Yes, a Florida GENERAL LIABILITY COVERAGE FOR THE PHYSICIAN AND DENTIST We hear questions from our medical and dental practices concerning general liability insurance, namely what is it, why do I need it, what does it cover, and does it duplicate other coverage? The following attempts to answer these questions about general liability insurance for the medical and dental practice. What does general liability insurance cover? General liability insurance for the IF I LIVE ON THE SECOND FLOOR OF A CONDOMINIUM DO I STILL This is a question we are asked all the time by Florida homeowners. The answer is simple—yes you should purchase flood insurance even if you are on upper stories of a new condominium. This is especially true if your building is located near the ocean. The biggest flood exposure you have is if we experience a major hurricane or tidal surge which undermines the structure of the entire building WHAT IS THE PENALTY FOR NOT CARRYING WORKERS’ COMPENSATION It seems like we are getting calls every day from physician and dental offices which are facing fines and penalties because investigators discover that they don’t carry Florida Workers’ Compensation Insurance. State investigators conduct routine job-site inspections of physician and dental offices to ensure compliance with the Florida Workers’ Compensation law. When a physician or WHY DO I NEED TO GET A WIND MITIGATION INSPECTION DONE ON After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation techniques, upgrades, or retrofits to make their home stronger. In return, Florida homeowner’s insurance THE IMPACT OF PHYSICIAN EXTENDERS ON MEDICAL MALPRACTICE With the growing shortage of primary care physicians, there is a dramatic increase in the number of employed Physician Assistants and Nurse Practitioners—who function under the supervision of a physician. These “Physician Extenders”, the term used to describe healthcare providers who are not physicians but who perform medical activities typically performed by physicians, play a vital ABOUT US | GRACEY BACKER, INC. Gracey-Backer, Inc. is an Independent Insurance Agency located in Delray Beach, Florida. As an independent agent, we are your advocate in navigating the complex world of insurance. With a statewide presence and years of experience, Gracey-Backer has the strength and “clout” to secure the finest insurance protection at the mostreasonable cost.
INSURANCE FOR DENTISTS Gracey-Backer, Inc. has been insuring Florida dentists since 1982 and has a passion for dentists. We are intimately aware of your insurance needs. We monitor your insurance closely every year to be sure you are getting the best coverage for the most competitive price. We provide all types of insurance that a dentist and dental practice should have. INSURANCE FOR ORAL SURGEONS Gracey-Backer, Inc. is the Florida, Georgia and Alabama agent for OMS National Insurance Company (OMSNIC), an “A” (Excellent) rated company designed to meet the professional liability insurance needs of the practicing oral surgeon. We have been insuring Oral Surgeons since 1982, and are intimately aware of your insurance needs. INSURANCE FOR PHYSICIANS& SURGEONS| GRACEY BACKER, INC. Physicians & Surgeons. As Medical Malpractice Insurance specialists, we offer you, the Florida physician, the finest professional liability coverage, the most competitive prices, and the wise counsel you deserve. We handle insurance programs for over 2,000 Florida Healthcare Professionals all across the state-and have for over 30years.
CONTACT US | GRACEY BACKER, INC. Gracey Backer, Inc. takes care of our clients’ needs. Clients may contact us to inquire and schedule a consultation. OUR TEAM | GRACEY BACKER, INC. Gracey Backer, Inc. has a dedicated staff to assist you with all your insurance needs. Our team is always ready to help you get the rightcover.
WHY DO I NEED TO GET A WIND MITIGATION INSPECTION DONE ON After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation techniques, upgrades, or retrofits to make their home stronger. In return, Florida homeowner’s insurance WHY IS MY INSURANCE WRITTEN THROUGH AN EXCESS AND SURPLUS Generally, a policy is written through the Excess and Surplus Lines company (E&S) because a standard carrier will not write the risk. The reasons for this are many, but usually include: The risk does not meet underwriting guidelines of standard carriers, due to claims history, age of the property, location or the risk, or cancellation by another company; Your risk is not familiar to the DO I NEED TO SCHEDULE MY JEWELRY AND FINE ARTS ON A We are asked by Florida homeowners if there is an advantage to scheduling their jewelry and fine arts on a Florida homeowner’s insurance policy. The answer is not so simple. Blanket vs. Scheduled Jewelry and Fine Arts: If you have a large amount of smaller valued items, it is probably best to cover them on a blanket basis. There are internal per item sub-limits of coverage, however, so if WHAT DOES THE LIMIT OF LIABILITY MEAN ON A DENTAL One of the most important decisions a dentist or oral surgeon will make regarding his dental malpractice insurance is which ‘limit of liability” to choose. There are many options, and the premium varies according to how much coverage is chosen. The “limit of liability” on a dental malpractice insurance policy is the amount of money a dental malpractice insurance company will pay for "; html+= document.getElementById(id).innerHTML; html+=""; varprintWin =
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* Business Professionals * Personal Insurance WELCOME TO GRACEY-BACKER, INC. ------------------------- Gracey-Backer, Inc. is an insurance agency based in Florida. The agency specializes in complete insurance programs designed for Florida physicians and surgeons, oral surgeons, dentists, business professionals, and homeowners. Established in 1925, we have solid experience and the competence to help clients go through complex insurance issues, and provide assistance along the way. Day in and day out, we offer solutions such as risk management consulting, creative solutions, and reliable advice to minimize premiums while maximizing coverage. Our clients trust our personalized customer service and are rest assured that Gracey-Backer does what’s best for them, a tradition we have kept for decades. -------------------------LATEST NEWS:
------------------------- THE TOP FIVE QUESTIONS ABOUT MEDICAL MALPRACTICE INSURANCE IN FLORIDA Are Florida doctors required to carry medical malpractice insurance? The answer is simple: yes and no. Florida doctors are generally ReadMore »
HOW MUCH DOES WORKERS’ COMPENSATION INSURANCE COST? The National Council on Compensation Insurance (NCCI) sets the rates for Florida Workers’ Compensation insurance, based on the likelihoodof Read More »
------------------------- Thank you very much, as always you are so helpful to me. That’s why when someone offers me another company for my liability insurance I say, no thank you I have the best company with the best people. You’re awesome. Have a good day and excellent weekend!- Dentist in Rockledge, FL April 2019Thank you, your help is much appreciated. I hope the companies you represent appreciate you as much as we do for your conscientious efforts in resolving problems.- Homeowner in Ocean Ridge, FL, September 2019Wendy and Kathy, thank you so much for helping her out with this task. I told her Kathy will definitely take charge and help her as much as possible. Wendy you are obviously a Kathy also! Thanks again ladies for your excellent customer service!Urology Medical Practice Administrator, Palm Beach FL October 2019Thank you very much, as always you are so helpful to me. That’s why when someone offers me another company for my liability insurance I say, no thank you I have the best company with the best people. You’re awesome. Have a good day and excellent weekend!- Dentist in Rockledge, FL April 2019__ __
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