Is Dental Insurance Necessary?

Dental insurance is a policy that covers your visits to a dentist and helps to pay for the dental care you get. Generally, this plan covers the entire costs for preventative procedures like cleanings, check-ups, and X-rays. A policyholder is usually required to pay at least 20 percent of the expenses for services like crowns, fillings, and root canals.

So, it necessary to get dental insurance from insurance providers like Bob Korvas Agency Inc. that serves Niles, IL and surrounding areas. Here is why you should consider a dental insurance coverage.

Preventive care

You always pay for your auto insurance even though you may not necessarily use it. This is good since the coverage will come in handy when you need it most. The same applies to dental insurance. Other than giving you the peace of mind, you will be sure your dental expenses are taken care of, especially when it comes to examining, cleaning, or X-ray. This is done at least twice every year giving your dentist the opportunity to spot and minimize the chances of having any kind of tooth problems.

You can get a dental insurance through your employer or by purchasing the cover on your own. In case you are self-employed, consider getting a pay-as-you-go plan. Many health insurance plans often cover dental services that are needed after an injury. However, make sure you check out the terms of the policy before making this assumption.

It’s clear that regular dental care helps to prevent more severe medical conditions. Shop around for a professional dentist in Niles, IL who provides the best rates on different treatment options. You can be sure your dental insurance policy from Bob Korvas Agency Inc. will cater for the expenses as long as it’s clearly stipulated in the policy document. Contact us today for more information.


How Commercial Insurance Protects Small Businesses

When you are growing a business, the budget may be tight.  Any disaster or personal injury could spell the end of the venture.  This is why commercial insurance is so important for small, growing businesses.  Regardless of how careful and attentive everyone is, there is always the potential that a staff person or client could be injured on the business’ property.  Also, severe weather is a threat to any business.  If the company owns vehicles, they will also need to be insured.  While these threats exist for every business, commercial insurance policies can help protect should the unthinkable occur.  The team at Bob Korvas Agency Inc. works with small businesses throughout the Niles, IL area.  They understand the concerns of owners and work to ensure that they are adequately covered. 

The term ‘commercial insurance’ actually covers a range of policies that can be used to protect various aspects of the business.  General liability insurance is a good starting point.  Other policies include professional liability and product liability insurance to protect against negligent services or defective products.  Property insurance covers the business’ physical location against damage or destruction.  Commercial vehicle insurance covers the company’s fleet while they are out on the road.  Workers compensation protects employees should they be injured on the job.  Loss of income insurance protects the business as a whole in the event that a disaster disrupts the normal flow of business.  These are just a few of the types of policies that are available to protect small businesses. 

Small business’ need room to grow.  Commercial insurance policies protect the entity so that if something happens, the business has a chance to repair and recover.  The agents at Bob Korvas Agency Inc. know the challenges Niles, IL businesses face.  Call them today!