The ophthalmologist's office: planning and practice. Property and casualty insurance.

This chapter is primarily an overview of the physician's need for insurance; of necessity, it is not a detailed examination. Each individual physician should review personal insurance needs thoroughly with a reputable insurance agent, handling property and casualty insurance, and a life insurance agent with respect to need for life insurance and accident, sickness, and medical insurance. As mentioned earlier in this chapter, an attorney should review any lease for office space or any lease that the physician might have with tenants of a building that he or she owns. The attorney can advise as to one's liability exposure, and the professional insurance agent then can provide the necessary insurance program to cover exposure to that risk. One final comment. Insurance policies are imortant papers: They should always be protected.