The Cyber Insurance market continues to firm with premium increases and contraction of coverage. Many Cyber Insurance providers have minimum requirements you must have in place before they will offer terms. For example, Social Engineering coverage can be hard to find if you are not using multi-factor authentication.

If you haven't thought of Cyber Insurance in the past, with the increase of Cyber Crime, this is the time to check the marketplace.

Email us at agent@hdiers.com to discuss Cyber insurance for your business.

Harold Diers teammates are working from home today due to weather conditions. We all have full office capabilities however. We will close down today at 1:30 pm Central Time for the Christmas holiday. We will reopen on Tuesday, December 27th at 8 am.  

Our New Years closing is similar. We will close on Friday, December 30th at 11:30 am and reopen on Tuesday, January 3rd at 8 am. If you have an emergency please call 402-235-5422 or email agent@hdiers.com.

Merry Christmas, Happy Holidays and Happy New Year to you all!

Our office will close at 1:30 pm Central Time on Wednesday, November 23, 2022. We will reopen on Monday, November 28th at 8am. We hope everyone has a great Thanksgiving Holiday! At Harold Diers we are grateful for all of our wonderful clients!

If you have an emergency and need to get in touch with us during long weekend email us at agent@hdiers.com. You can also contact Jim at 402-235-5422.

Medicare requires dentists, podiatrists and other healthcare professionals who act as Durable Medical Equipment providers for Medicare approved appliances (sleep apnea oral appliances, shoe inserts, etc) to secure a $50,000 surety bond. If you have received a letter from the Center of Medicare & Medicaid Services instructing you to get the DMEPOS bond, we can handle it for you quickly and painlessly. We can secure these bonds for you in less than a day!

Privacy breaches and information security exposures affect more and more small businesses every year. Your office policy and/or professional liability policy may contain a small amount of cyber protection but for complete protection you need a separate Cyber Liability Insurance policy.  Whether it is your system that is affected or a clients system that you have unknowingly infected with malware, you are at risk. You can protect your business from great financial exposure by putting in place a cyber liability plan. Email us at agent@hdiers.com and we will contact you to discuss this important piece of your risk management program.

Thanksgiving is next week and Christmas is just around the corner. As we approach the end of one year and the beginning of the next it is a great time to review your personal and business insurance needs. Have your disability and life insurance plans kept up with your increased earnings and needs? Have you looked at the current property limits on your business insurance policy to make sure they are up to date? Contact us at Harold Diers & Co. to schedule a coverage review. Email us at agent@hdiers.com.

Are you discussing Cyber Liability with your employees? If so, congratulations...you are ahead of the game! If not, now is the time to begin. Talk to your employees about suspicious email messages. Phishing emails are a great way for criminals to gain access to your system. Social Engineering risks are growing as well. A criminal can make an email look like it is coming from one of your regular email contacts. They will look for patterns and jump right into the middle of an email string. Before you know it you are opening up their attachments giving them access or sending off money you think is going to a client. If you think Halloween is scary.....it's nothing compared to the cyber criminal's potential!

Our Lincoln & Omaha Dentist's Risk Management Seminars are just around the corner! August 14th in Omaha and August 15th in Lincoln. Don't forget you earn 10% premium credit on your professional liability premium for three years just for attending!

Oh, and October 10th we will bring the seminar to North Platte!

The seminars run from 12:30 to 5 pm. Cost is $30 per attendee. Email dentist@hdiers.com and we will send you the details.

The North Dakota Risk Management training sessions for dentists will take place from 12:30 pm to 5 pm. On Wednesday we will be at the Ramada Hotel and Conference Center at 3333 13th Avenue South in Fargo. On Thursday we will be at the Radisson Hotel Bismarck at 605 East Broadway Ave. The address for the Fargo location was incorrect as it showed 333 instead of 3333.

For more information email us at agent@hdiers.com

Our Professional Protector Plan for Dentists Risk Management classes will take place in 2019.

Watch your mail for registration forms for the following dates and times:

May 15, 2019 in Fargo, ND at the Ramada Hotel

May 16, 2019 in Bismarck, ND at the Radisson Hotel

August 14, 2019 in Omaha

August 15, 2019 in Lincoln

October 10, 2019 in North Platte

All sessions are from 12:30 pm to 5:00 pm

Well, 2019 has begun and we are all back to work making sure the year gets off to a great start. We can help make sure your insurance plan gets off to a great start as well. Contact Harold Diers & Co. for a full review of your insurance program today. Happy New Year!

Harold Diers & Company offers an exclusive professional liability insurance plan to podiatrists in many states. Our program is an 'A' rated policy with competitive coverage at an affordable premium. We also offer office insurance to our clients as well as Disability, Life and Business Overhead in states where we are licensed. Contact us if you practice in Nebraska, Iowa, Kansas, Missouri, Colorado, Illinois, North Dakota or South Dakota. We look forward to working with you.

Does your business accept credit cards? Do you store client or patient information in the Cloud? Do you do business with vendors in a manner where you transmit protected health or personal information electronically? If you answer yes to any one of these questions, you have a cyber liability exposure. Contact us today to discuss your cyber liability insurance needs.

Spring will soon be upon us. With the thaw comes melting and Spring rains. Most businesses decline flood coverage unless they are in a Federal Flood zone where coverage is mandated. However, flooding can occur anywhere! We can assist you with insurance protection you need should your business suffer a loss from a flood. But don't wait! When flooding is imminent the availability of flood insurance usually stops. Contact Harold Diers & Company to discuss your flood insurance needs.

We've said it before; Every professional business owner needs Business Overhead Expense insurance coverage. If you become disabled due to an illness or injury you don't want to pay your continuing office expenses from your disability insurance benefits. Business Overhead Expense insurance takes care of this exposure. It covers expenses such as rent, utilities, employee payroll, etc. Best of all it is a very affordable product.

Even if you have business overhead expense coverage now is a great time to make sure you limits are adequate!

If you would like more information email us at agent@hdiers.com.

Welcome to 2018! It always seems that in January we not only start a new year but we all want to start fresh with business and personal goals. Whether it is organizing your closet, getting paperwork ready for taxes, eating healthier, losing weight, etc we all want to do something different in the new year.

I know I have been caught up in the January changes. From trying to organize my office and de-clutter everything else I feel a strange energy to clean up what I left undone in 2017.

So this is a great time to look at your insurance program to see what needs to be updated or changed. Did you form a new corporation in the past year? Add new equipment to your office? Does it look like you will need to update your disability and business overhead limits due to increased earnings?

Whatever you need, contact Harold Diers & Company for a comprehensive review of your overall insurance portfolio. If we don't know about the changes to your business or personal needs, we can't help you stay on top of them!

Every professional needs Business Overhead Expense insurance coverage. If you become disabled due to an illness or injury you don't want to pay your continuing office expenses from your disability insurance benefits. Business Overhead Expense insurance takes care of this exposure. It covers expenses such as rent, utilities, employee payroll, etc. Best of all it is a very affordable product. If you would like more information email us at agent@hdiers.com.