Vacation Mistakes That Can Lead to Malpractice Claims

Key Takeaway

Did you know that the summer vacation season can create unexpected malpractice risks for law firms when deadlines, file coverage responsibilities, and client communication are not handled properly before attorneys and staff take time away from the office? 

Many malpractice claims begin with small administrative breakdowns—not major legal mistakes—which is why planning ahead during vacation season is so important.

Why Summer Can Increase Risk for Law Firms

Most attorneys look forward to summer vacations and holiday weekends. After all, everyone needs time away from work occasionally.

But for law firms, vacation season can also create conditions where preventable mistakes become more likely.

Reduced staffing, attorneys being out of the office, delayed communication, and shifting responsibilities can all increase the risk of something important slipping through the cracks.

In many malpractice situations, the issue is not that someone misunderstood the law. Instead, the problem often involves:

  • Missed deadlines
  • Calendar oversights
  • Unreturned client communications
  • Poor internal handoffs
  • Lack of file coverage
  • Miscommunication between attorneys and staff

These types of administrative issues can become more common during busy summer months when schedules are less structured and firms may be operating with fewer people in the office.

Out-of-Office Messages Do Not Stop Deadlines

One of the biggest risks during vacation season is assuming that an out-of-office email or reduced summer schedule somehow slows down legal obligations.

Unfortunately, deadlines continue regardless of whether someone is on vacation.

Court filing deadlines, statutes of limitation, discovery responses, transactional deadlines, and client obligations do not pause simply because key staff members are unavailable.

If a file is not being actively monitored while someone is away, the risk of missing something important increases significantly.

Many malpractice claims begin with something relatively small:

  • a missed filing deadline,
  • a document that was never reviewed,
  • or an email that nobody realized required immediate attention.

Often, the issue could have been prevented with better planning before the attorney or staff member left the office.

Communication Breakdowns Can Create Problems Quickly

Vacation season can also create communication challenges inside the firm and with clients.

For example, clients may become frustrated if:

  • they are unsure who is handling their matter,
  • emails are not returned promptly,
  • or urgent concerns are not addressed while their primary attorney is away.

Even when no actual legal error has occurred, poor communication can damage trust and increase the likelihood of complaints.

Internally, communication problems can arise when responsibilities are not clearly assigned before someone leaves for vacation.

It is not uncommon for multiple people within a firm to assume that “someone else” is monitoring a file or handling a deadline. Unfortunately, that assumption can create significant exposure if no one is actually responsible for the matter.

Clear internal communication and documented coverage plans can go a long way toward reducing these risks.

Summer Staffing Changes Can Increase Exposure

Many firms also bring in interns, law clerks, or temporary staff during the summer months.

While additional support can be helpful, newer employees may not fully understand:

  • office procedures,
  • confidentiality expectations,
  • calendaring systems,
  • or the importance of certain deadlines and communications.

This creates another layer of risk that firms should consider during vacation season.

Even experienced employees may be covering unfamiliar responsibilities while coworkers are away, increasing the possibility of administrative mistakes.

Training, supervision, and clearly defined procedures become especially important during periods when staffing structures change.

Why Small Administrative Problems Matter

One of the biggest misconceptions about malpractice claims is that they usually involve major legal errors or courtroom mistakes.

In reality, many claims begin with smaller administrative breakdowns that gradually escalate into larger issues.

Examples may include:

  • failing to properly calendar a deadline,
  • missing a client communication,
  • failing to document advice or instructions,
  • or not clearly assigning responsibility for a file during an absence.

These situations often become more likely during holidays, vacations, or periods where firms are operating with reduced staffing levels.

The good news is that many of these risks are preventable.

Risk Management Tips Before Taking Vacation As An Attorney

Vacation itself is not the problem. 

The issue is usually the lack of preparation before someone leaves the office. Before attorneys or staff take time away, firms should consider reviewing several important areas.

Review All Upcoming Deadlines

Take time to carefully review calendars, court dates, filing deadlines, and active matters before leaving.

This helps ensure that important dates are not overlooked while someone is unavailable.

Clearly Assign File Responsibility

Every active matter should have a clearly designated point of contact while the primary attorney or staff member is away.

Avoid situations where responsibility is assumed rather than specifically assigned.

Communicate Internally

Make sure attorneys, paralegals, assistants, and administrative staff understand:

  • who is covering which matters,
  • who should receive urgent communications,
  • and how emergencies should be handled.

Set Clear Client Expectations

Clients should know:

  • when their attorney will be unavailable,
  • who they should contact if an urgent issue arises,
  • and what type of response time they can expect.

Good communication helps reduce frustration and confusion.

Review Cybersecurity Risks

Vacation periods can also increase cybersecurity exposure because employees may be working remotely, using mobile devices, or moving quickly through emails before leaving town.

Law firms should remind employees to remain cautious about:

  • phishing emails,
  • wire transfer requests,
  • password security,
  • and suspicious links or attachments.

Strong Internal Systems Help Prevent Avoidable Claims

No law firm can eliminate every possible risk.

However, firms with strong procedures, communication systems, and file management practices are generally in a much better position to avoid preventable malpractice problems.

Summer vacation season is a good reminder that many malpractice claims do not begin with dramatic legal mistakes. They often begin with small administrative issues that were never addressed early.

Good planning, clear communication, and proper file coverage can significantly reduce the likelihood of problems developing while attorneys and staff are away from the office.

Start Planning Now And Enjoy Your Vacation

Taking vacation and spending time away from work is important for attorneys and staff alike. But before leaving the office, it is worth taking a few extra steps to make sure files, deadlines, and client communication are properly managed.

In many cases, preventing a malpractice claim starts long before a problem develops.

It starts with preparation.

Claim vs. Potential Claim: When Should Attorneys Report to Their Malpractice Carrier?

One of the most common questions I get from attorneys is this:

“What’s the difference between a claim and a potential claim—and when do I actually need to report it?”

It’s a great question, and the answer can have a major impact on whether your malpractice coverage protects you when you need it most.

What Is a “Claim”?

A claim is typically straightforward. It involves a clear allegation of wrongdoing or a demand for money. This could be a lawsuit, a formal demand letter, or any situation where a client (or former client) is asserting that an error caused them harm.

At that point, most attorneys know they need to notify their insurance carrier.

What Is a “Potential Claim”?

A potential claim is less obvious—but just as important.

This is when you become aware of a situation that could lead to a claim, even if no one has formally complained yet. Common examples include:

  • Missing a filing deadline
  • Discovering a mistake in a document or case strategy
  • Receiving communication from a client that suggests dissatisfaction (including online reviews)
  • Realizing something may not have been handled correctly

In these situations, nothing has escalated yet—but there’s a reasonable chance it could.

Why Timing Matters When It Comes To Legal Malpractice Claims

Most legal malpractice policies are claims-made policies, which means coverage is triggered based on when a claim is reported—not just when the incident occurred.

That’s why the distinction between a claim and a potential claim is so important.

Reporting early isn’t just a requirement of the policy—it can also work in your favor. 

Getting your carrier involved sooner can help reduce defense costs, improve the chances of resolving the issue efficiently, and give you more options if the situation develops into a formal claim.

In fact, many malpractice claims don’t begin with a lawsuit—they start as smaller issues that weren’t addressed early.

The Risk of Waiting To Report A Claim

It’s not uncommon for attorneys to hesitate before reporting a potential issue. There’s often concern about how it might impact premiums or whether it’s “too early” to involve the carrier.

But waiting can create serious problems.

If you’re aware of a potential issue and choose not to report it—and that issue later turns into a claim—there’s a risk your carrier may deny coverage altogether.

A Simple Rule to Follow

If there’s any doubt, it’s usually better to have the conversation early.

You don’t need to have all the answers, and reporting something doesn’t mean it will automatically turn into a claim. It simply puts you in a better position if it does.

If you’re unsure about your current policy or what should be reported, it’s worth taking a few minutes to review your coverage and get clarity before an issue arises.

If you have questions about your current coverage or want a second opinion, feel free to reach out 412.563.2106

A New Year’s Resolution Every Lawyer Should Actually Keep: Review Your Insurance

As the year winds down, it’s easy to get caught up in the Christmas decorations, the festive atmosphere, and the excitement of the season. Before you know it, New Year’s Eve is right around the corner—and with it comes the familiar list of New Year’s resolutions.

You know the ones:

  • Get healthier
  • Lose weight
  • Be more productive
  • Finally stick to a routine

All of those are great goals, and I truly hope you stick to them. But this year, I want to suggest one resolution that isn’t flashy, isn’t fun, and definitely won’t make your highlight reel—but it could save your career.

Make 2026 the year you review your insurance coverage.

Yes, it’s boring.
Yes, it sounds dull.
And yes, it might even feel a little ridiculous to say, “My New Year’s resolution is to review my insurance.”

But it’s also one of the most important things you can do.

Why Reviewing Your Insurance Matters

Far too many professionals—especially attorneys—set up their insurance policies and then forget about them. Years go by, the practice changes, the risk profile evolves, and the coverage quietly stays the same.

That’s how people end up discovering gaps in coverage at the worst possible time: when a claim occurs.

Insurance is something you want to understand before you need it—not after.

Don’t Just Review One Policy—Review Them All

When you sit down to review your coverage in early 2026, look at all of your policies. That said, I do want to strongly emphasize one in particular:

Your lawyer’s professional liability policy.

Here are a few critical questions to ask yourself as you review it:

Are You Retiring Soon?

Is 2026 the year you’re planning to retire?

If so, you need to understand how your policy handles retirement and tail coverage:

  • Do you qualify for a free retirement tail?
  • What are the specific requirements to receive it?
  • Does your current policy even offer a free retirement tail?
  • Are there steps you need to take before retiring to remain eligible?

Assuming you’re covered without confirming these details can be a costly mistake.

Is Your Practice Expanding?

If retirement isn’t on the horizon, maybe growth is.

Ask yourself:

  • Are you planning to add new attorneys?
  • Are you expanding into new practice areas?
  • Has your caseload or exposure increased?

If so, your current limits may no longer be sufficient. You may need to:

  • Increase your policy limits
  • Reevaluate your deductible
  • Adjust coverage to match your expanded risk

Growth is exciting—but it also brings additional exposure that your insurance should reflect.

A Small Time Investment With Big Payoff

Reviewing your insurance doesn’t take long, but it can prevent serious problems down the road. It’s one of those tasks that’s easy to postpone—until suddenly, it’s too late.

So enjoy the holidays.
Have a safe and happy New Year’s Eve. 🎉

Then, sometime in that first week of January, do yourself a favor: take an hour and review your policies.

It’s not the most exciting resolution—but it just might be the smartest one you make for 2026.

Happy Holidays and Happy New Year.

Vacation as a Risk Management Tool

No, this isn’t a quick break from my desk—I’m actually taking a few days away from the office on a proper vacation. As I sit here on the porch, soaking in the peaceful view of the water and feeling more relaxed than I have in a long time, a thought struck me:

This might be one of the best risk management tools I can recommend—take a break.

That’s right. Step away from the desk. Let your brain unplug. Play a round of golf, cast a line into the water, take a boat ride, dive into a good book, or simply sit outside and do nothing. You don’t need a plane ticket to a faraway beach or a mountain retreat—just find a way to get out of the office and into a state of calm.

Why? Because time away helps you rejuvenate.

And when you’re back in the office, something magical happens:
You think more clearly.
You work more creatively.
You produce a better work product for your clients.

And that’s where risk management comes in.

Better Work = Lower Risk

A refreshed mind leads to fewer mistakes. That means fewer legal malpractice claims, better relationships with your clients, and even a more positive atmosphere in your workplace. It also means you’re more likely to be offered favorable malpractice insurance rates and terms—because insurers notice when your practice runs smoothly and claims stay low.

So, yes—a short vacation isn’t just good for your soul, it’s good for your business.

It may be the simplest risk management strategy, but it just might be the most powerful.

Coach Said It Best

There’s a quote from one of my favorite TV shows, Friday Night Lights, that always sticks with me:
“Clear eyes, full heart, can’t lose.”

So don’t lose.

Take some time off this year. Step away from the grind. Let yourself breathe, reset, and come back sharper than ever.

Have You Reviewed Your Legal Malpractice Policy Limits Lately?

When was the last time you reviewed the policy limits on your legal malpractice insurance?

For many attorneys and law firms in Pennsylvania and Ohio, the answer is: “It’s been a while.” 

And for some, it’s even worse — they’ve never increased their limits since first purchasing their policy.

We get it. When you first bought coverage, it felt like checking a box. 

You picked a limit — maybe the standard $100,000 per claim / $300,000 aggregate — and haven’t thought much about it since. Unless a client insisted on a higher limit, there may have been no urgency to adjust anything.

But that mindset can put your entire practice at risk.

Why It’s Time to Rethink Your Firm’s Insurance Limits

As I like to say:

“Trying to raise your limits after a claim is like trying to buy homeowner’s insurance when your house is already on fire.”

Let that sink in.

Here are a few things that have likely changed since you last looked at your policy:

  • The cost of living has risen significantly — including in Pittsburgh, Harrisburg, Cleveland, and Columbus.
  • Real estate prices, car prices, and even eggs have all gone up.
  • Your cost of doing business — from staff wages to office rent — has increased.
  • And your legal fees have likely risen, too.

So, if every financial metric around you has grown, why haven’t your malpractice limits?

Low Limits For Your Legal Malpractice Insurance Can Cost You Big Time

The most commonly offered “starter” policy is $100,000 / $300,000. And while that might sound like a lot, it doesn’t go far when:

  • Defense attorneys start billing (what would you be charging?)
  • Expert witnesses are brought in
  • A claim needs to be settled before trial

Even a small-to-midsize claim can eat through six figures fast — leaving you on the hook for the rest.

At that point, you’re not just protecting your firm — you’re protecting your personal assets, too.

How to Determine the Right Coverage For Your Law Firm

If you’re unsure what limits make sense, here are a few questions to ask:

  • How many active clients does your firm currently serve?
  • What is the average value of the cases you handle?
  • How many attorneys are in your firm?
  • What is the current cost of living index in your area?

These factors should all influence your decision. 

A solo attorney in Erie, PA handling traffic tickets may have different needs than a five-attorney firm in Cincinnati managing complex civil litigation — but both should at least evaluate whether their limits are keeping pace.

Don’t Say “No” Without Knowing the Cost

One of the most common objections we hear is:

“I’d love to increase my coverage — but it probably costs too much.”

But many firms say that before even getting a quote.

In reality, increasing your limits might not cost as much as you think. 

And the peace of mind it offers — especially if you’re planning for retirement or growing your practice — is well worth the investment.

Legal Malpractice Insurance in Pennsylvania and Ohio: Get a Review

If you’re a law firm based in PA or OH, now is a great time to schedule a malpractice policy review with us. Whether you’re in Philadelphia or Dayton, Erie or Akron — your firm deserves coverage that reflects today’s legal environment.

You wouldn’t go five years without adjusting your rates or reviewing client contracts — don’t let your insurance stay stuck in the past.

Final Thought

Before you say no to increasing your limits, ask:

  • When was the last time I adjusted my coverage?
  • What would a real claim cost me today?
  • Am I protecting my future — or playing defense?

Want to dive deeper?

Grab a free copy of my book, Game Over? Not Today!, which covers risk exposure, cyber liability, and real-world scenarios that law firms face every day: https://bit.ly/INF-Game-Over-Not-Today

Unique Follow Through

https://youtu.be/U9b8Qw4lmb4

Every golfer has a unique follow-through. Whether it’s long and graceful or short and awkward, it’s the finishing move that gets the ball where it needs to go. Without a proper follow-through, even the best swing won’t deliver the result you’re aiming for. The same is true when it comes to insurance protection for your law office.

Most attorneys start the swing—they carry legal malpractice insurance. But too many stop short. They don’t follow through by protecting themselves against cyber liability. And that’s where the shot falls short.

The Risk of Not Following Through

I hear it all the time:

“I’ve been meaning to look into cyber insurance…”
“We’re a small office—nobody’s going to hack us.”
“We don’t have any information that hackers want.”

Wrong. Those are all excuses—and dangerous ones. Hackers aren’t just targeting the big fish. In fact, they have a name for small firms that lack sophisticated cyber defenses:
“Low-hanging fruit.”

Law firms, even solo practices, store exactly the kind of data hackers crave—names, addresses, Social Security numbers, banking info, legal documents, and confidential case files. That’s gold to a cybercriminal. And without the security infrastructure of a Fortune 500 company, you’re an easy target.

What About My Malpractice Policy?

Another common myth I hear is this:

“My legal malpractice policy already covers cyber claims.”

Not quite.

Your legal malpractice policy might include a small amount of ancillary cyber coverage—but not nearly enough to protect you if a serious breach occurs. Cyber incidents can trigger lawsuits, regulatory fines, business interruption, ransom demands, and reputational damage. You need a dedicated cyber liability policy to handle those risks.

Protect Your Clients. Protect Your Practice.

Your legal malpractice policy is your swing.
Cyber insurance is your follow-through.

If you want your protection to actually reach its target—your clients, your firm, your future—you have to complete the motion.

There are no mulligans in the world of cyber claims. Once you’re hit, the damage is done—and without the right coverage, it could be devastating.

So, take the next step. Don’t stub the shot. Follow through and secure cyber liability coverage for your law office.

It just makes sense -> https://integrityfirstins.biz/Home/CyberIndication

Do You Have the Right Number of Clubs in Your Bag?

There’s a reason why golfers are allowed to carry 14 clubs in their bag—because no single club can handle every shot on the course. Different situations call for different tools, and smart golfers prepare for anything that might come their way.

The same logic applies to legal malpractice insurance. Just like a full golf bag, your malpractice policy should be equipped with a range of coverages—each designed to help you handle the many different “shots” you’ll face in your law practice.

Here are the 14 “clubs” I believe every law firm should have in their insurance bag:

1. Prior Acts Coverage

Make sure your policy covers work you’ve done before the current policy period.

2. Career Prior Acts Coverage

Even better, find a policy that offers coverage for the entire span of your legal career.

3. Sufficient Policy Limits

Don’t come up short. Ensure your limits are high enough to handle a serious claim.

4. A Deductible That Matches Your Firm Size

Balance affordability with risk—your deductible should reflect your firm’s resources.

5. Coverage for Disciplinary Matters

Ethics complaints happen. You’ll want protection if your license is ever at risk.

6. Extended Reporting (Tail) Coverage

If you retire or switch carriers, make sure you can still report claims from past work.

7. Free Retirement Tail

Look for policies that offer a complimentary tail when you permanently retire.

8. A Broad Definition of “Insured”

Make sure your policy clearly includes all attorneys, staff, and affiliated roles.

9. Coverage for Of Counsel and Independent Contractors

These contributors need protection too—confirm they’re covered under your policy.

10. A Less Restrictive Consent-to-Settle Clause

Avoid a true “hammer clause” that forces your hand in claim settlements.

11. Easy Reporting Methods

Claims should be reportable via mail, email, phone, or even fax—without hassle.

12. Local Defense Counsel

If you’re in Pennsylvania, make sure Pennsylvania lawyers will defend you.

13. A Malpractice Helpline or Hotline

Quick access to guidance can help you avoid missteps before they become claims.

14. An Efficient Renewal Process

Renewals shouldn’t be a burden. Find a carrier that makes it easy and smooth.


Just like golf, preparation matters. But unlike golf, you don’t have to stop at 14 clubs. Your malpractice coverage should be tailored to your specific needs, not limited by an arbitrary number.

So, before you tee off or sign your next policy renewal—check your bag. Make sure you have everything you need to play a strong legal defense game.

Who’s Your Legal Caddie? 

I had the opportunity to attend the RBC Heritage and watch some of the world’s best golfers up close. As impressive as the athletes were, I found myself equally captivated by their caddies.

These pros weren’t just carrying clubs—they were walking the course, mapping out every bunker and green, noting pin placements, and essentially acting as strategists for every single swing. They knew the course like the back of their hand and had prepared for every possible scenario. It got me thinking…

Who’s the caddie in your law practice?

As attorneys, you juggle a lot—client meetings, court appearances, case research, filing deadlines, and firm management. But like the pros on the PGA Tour, even the most talented lawyers can’t win alone. Success isn’t just about doing it all yourself—it’s about knowing who’s walking beside you.

Think about it:

  • Who’s helping you read the green? In other words, who’s helping you navigate the unpredictable twists and turns of your cases?
  • Who’s helping you avoid the sand traps? Are you keeping up with the latest case law and compliance updates to steer clear of costly missteps?
  • Who’s helping you prep the course? Is your team proactively setting you up for success—whether it’s paralegals, support staff, your marketing agency, or trusted advisors?

It’s tempting to want to be the player, the coach, and the caddie all at once. But that’s a tough (and exhausting) game to win. Just like the pros, you need someone in your corner helping you make the right calls, spot the risks, and keep your eye on the pin.

So I’ll ask again: Who’s your caddie?

Whether it’s someone managing your operations, reviewing insurance and compliance, or supporting your client intake and marketing, having the right help is what turns good attorneys into great ones.

Why Lawyers Need to Plan for Retirement Tail Coverage

Today I want to share something important: tail coverage. No, not the wagging kind—but retirement tail coverage for lawyers.

Retirement is supposed to be a time to relax and enjoy the rewards of your hard work. But for lawyers, retirement can come with lingering risks. Even after stepping away from the profession, retired attorneys can still be sued for legal malpractice—sometimes even 2, 3, or 5 years after retirement.

What Is Retirement Tail Coverage?

Retirement tail coverage, also known as an extended reporting period endorsement, is a provision in your professional liability insurance that protects you from malpractice claims made after you retire. The good news? If you have an active policy, most insurance providers will offer a free retirement tail—provided you meet their qualifications.

Do You Qualify for Free Retirement Tail Coverage?

Here’s where planning ahead becomes crucial. Most insurance policies require that you:

  • Have continuous coverage with the same provider for at least three consecutive years before retirement.
  • Officially retire from practicing law.

If you meet these requirements, your insurer may grant you a free retirement tail. But if you don’t qualify, purchasing tail coverage can be expensive—typically 250% to 300% of your last premium. For example, if your final premium was $2,000, you could pay $6,000 or more for retirement tail coverage.

What Should You Do Next?

If retirement is on your horizon—whether in the next few years or further down the road—make sure you check your policy at least three years in advance. Talk to your broker, review your coverage, and ensure you qualify for free tail coverage.

Need help navigating your options? Call me at 412-563-2106! I’d be happy to review your policy and make sure you’re set for a stress-free retirement.

Remember, planning ahead means you can truly enjoy your retirement—without constantly chasing your tail. 😉🐶

How an Arctic Blast of Unexpected Legal Claims Could Freeze Your Law Firm—And How to Protect It

Wow, is it cold outside! This Arctic freeze has really taken us by surprise, freezing everything in its path. Hopefully, you’ve been able to take some precautions, like dressing warmly and leaving a drip running from your faucet to prevent frozen pipes. But as I stand here thinking about how the weather can catch us off guard, I realized that something else can freeze your law practice just as suddenly—unexpected legal malpractice claims.

Just like bad weather, legal malpractice claims can come out of nowhere. However, there are steps you can take to protect your firm and avoid getting caught in a legal storm. Here are a few essential strategies that will help prevent your law firm from freezing under the pressure of a malpractice claim:

1. Implement a Dual Calendar System

Much like the need to bundle up when temperatures drop, having a dual calendar system in place will help you stay organized and ensure that nothing slips through the cracks. This system helps you manage deadlines and appointments more efficiently. Using a computerized calendar makes this process even easier, allowing you to keep track of all your important dates at a glance and avoid potential scheduling conflicts.

2. Use a Conflict of Interest System

Just as you would avoid stepping out into a blizzard unprepared, avoid taking on cases with potential conflicts of interest. Establishing a robust conflict of interest system ensures that your firm is not inadvertently engaging in cases that could result in a legal malpractice claim down the line. Regularly reviewing and updating your system will help ensure you are always ahead of the game.

3. Keep Clients Informed with Engagement and Disengagement Letters

Clear communication is key, especially when dealing with clients. Much like you’d keep an eye on the forecast during an Arctic blast, you need to keep your clients informed about what’s going on with their case. Use engagement letters at the start of a relationship to clarify expectations and disengagement letters when ending a case to officially document the conclusion of your involvement. This helps prevent misunderstandings and ensures that your firm is protected.

4. Maintain Constant Contact with Clients

Speaking of communication, regular updates with your clients are crucial. Let them know exactly what you’re working on and where things stand with their case. This will help minimize any surprises and reduce the chances that your clients will feel frustrated or abandoned. If they understand what’s happening, they’re less likely to feel the need to take legal action.

5. Stay Prepared—Like You Would for Bad Weather

Just as you prepare for cold weather by having the right gear and precautions in place, you should stay vigilant about protecting your practice from potential legal malpractice claims. By implementing these systems, staying organized, and communicating effectively with your clients, you’ll be far less likely to find your law firm caught off guard by a claim.

Stay warm, stay safe, and remember: I’m Don, your insurance guy. If you need help protecting your practice from potential risks, don’t hesitate to reach out.