Buy Hawaii Malpractice Insurance Online (2022)

Hawaii Malpractice Insurance Policy Information

Buy Hawaii Malpractice Insurance Online (1)

Hawaii Malpractice Insurance. A type of insurance purchased by health care professionals (and sometimes by other types of professionals, such as lawyers). It protects such professionals against potential negligence claims made by their patients and/or employers.

Hawaii malpractice insurance covers bodily injury or property damage as well as liability for personal injury such as mental anguish. This includes the costs of defense and cost containment expenses.

Hawaii malpractice insurance protects your company from negligence claims with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.

Malpractice Insurance Policy Basics

Hawaii malpractice insurance comes in several basic forms:

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  • An occurrence policy provides coverage for alleged incidents (injuries) that happened during the policy year regardless of when the claim gets reported to the carrier. The claim can be reported at any time in the future, even if the policy has cancelled. The occurrence policy provides a separate coverage limit for each year the policy is effective. Occurrence policies offer a steady base premium that does not increase as the policy matures.
  • With a claims-made policy, an incident must happen and be reported to the insurance company while the policy is effective. As can be seen, this requires that coverage must extend for a significant period of time to provide adequate protection since a considerable amount of time may elapse between when an incident may have occurred and when a claim is made.
  • Tail insurance refers to a policy that the insured can purchase when he discontinues his claims-made policy. Tail coverage requires that the policy holder pay an additional premium. The issue, however, is that the additional premium coverage can be extremely expensive - sometimes 150 or even 200 percent of the price of a mature claims-made policy, depending on the medical specialty and the location.

Is HI Malpractice Insurance Mandatory?

There is no legal requirement to have medical malpractice insurance but it's important to protect yourself and your business against events you cannot foresee. Also, in today's society, people are increasingly ready to bring a claim against you if they feel dissatisfied - whether or not you are actually at fault. Claims can run into many thousands if not millions of dollars and having Hawaii malpractice insurance could be the difference between a business being able to survive a claim or not.

Buying Medical Malpractice Insurance

When shopping for a HI medical malpractice liability insurance policy, most physicians focus on premium costs. But physicians shopping for a malpractice policy should also focus on getting the right coverage limits. A coverage limit is a provision in a policy under which the insurance company says that it will only pay for losses sustained by the policyholder up to a certain dollar amount. If limits are too low, the physician is needlessly exposed to personal liability. Too high, and the physician is paying for more coverage than needed.

Malpractice Insurance: Costs and Components

Claims-made policies tend to be less costlier than occurrence policies because of the smaller insurance company time exposure to claims. Some other factors that determine how much the policy costs include:

  • Physician or provider specialty (costs vary based upon exposure to risk).
  • Type of coverage, occurrence or claims made.
  • Limits of liability (aggregate amounts, deductibles and managed care requirements).
  • Location of practice (costs vary widely by state, county and city).
  • Loss history.

What Does Malpractice Insurance Cover?

HI malpractice insurance covers several expenses involved in defending and settling the malpractice suit; it also pays the damages if you are found liable. The covered costs include: court costs, attorneys' fees, settlement costs, arbitration costs, and compensatory damages and medical damages.

Medical malpractice will usually not cover liability arising from criminal acts, sexual misconduct or alteration of medical records. Other typical exclusions are for: punitive damages and specialized procedures (e.g., radial keratotomy) for which coverage may be "bought back" in return for additional premium.

Handling Malpractice Claims

In most cases, in order for your insurance policy to provide you with coverage, you should notify the insurance company as soon as reasonably possible of the problem. If you do actually become involved in a claim or lawsuit, for example, you receive a summons and complaint, before coverage is activated, you must notify the insurance company right away. Always follow up an oral notice in writing.

Why You Need Malpractice Insurance

Even the most competent professional can make a mistake and should protect against that possibility. Defending a malpractice lawsuit is often expensive even when the defendant wins. Health care professionals win most malpractice lawsuits, but the legal system rarely allows for the recovery of expenses by the winner. Since the cost of defense is high and a loss can be devastating, this insurance product is essential to every practice.

Hawaii Economic Data, Regulations And Limits On Commercial Insurance

Buy Hawaii Malpractice Insurance Online (2)

Location is one of the most vital factors that prospective business owners need to take into consideration when they are thinking about establishing an operation. You can have the best possible products and offer the most exceptional services, but if the location doesn't offer a market that can benefit from those goods and services, your business will have difficulty thriving.

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As such, if you are an entrepreneur who has set your sights on Hawaii for the headquarters of your business or a new division of an already existing corporation, it's a good idea to familiarize yourself with the state's economic data. It's also important to understand what type of commercial insurance you will need to invest in to protect yourself, your employees, your vendors, and the clients you serve.

Below, we provide a brief overview of important economic data and the commercial insurance requirements for business owners in the Aloha State.

Economic Trends For Business Owners In Hawaii

A state's unemployment rate is a good indicator of the overall economy of the region. It indicates that there are enough jobs available to support the economy, which is a direct reflection of the success of businesses in the state. As of 2019, the Bureau of Labor Statistics indicated that the unemployment rate in Hawaii was 2.6%, 0.8% lower than the national average of 3.4% from the same timeframe. This rate has also decreased throughout 2019, as it was 2.8% in July of 2019.

As with most states, the best locations to start a business in the state of Hawaii include urban areas and the suburban regions that surround them. The top cities for business owners in HI include:

  • Hilo
  • Kahului
  • Waipahu
  • Pearl City
  • Kaneohe

While several industries do well in Hawaii, certain sectors thrive. Tourism has long been the leading industry in the state, as people from around the globe flock to Hawaii each year.

Agriculture is also a booming industry here; the state is the second largest producer of sugar can in the U.S. Defense is also a key sector here, as all branches off the armed forces have bases located in the state. Another industry that also thrives here is manufacturing; specifically the manufacturing of cotton-based goods, such as clothing.

Commercial Insurance Requirements In Hawaii

The Hawaii Department of Commerce and Consumer Affairs regulates insurance in HI. Hawaii mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Hawaii requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Hawaii also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

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Additional Resources For Medical Insurance

Discover small business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.

  • Ambulatory Surgical Center
  • Art Therapy
  • Assisted Living Facilities
  • Audiology
  • Blood Banks
  • Dental Lab
  • Dental Office
  • Diagnostic Imaging Centers
  • Health Maintenance Organizations
  • Healthcare Facilities
  • Home Medical Equipment Dealers
  • Hospitals
  • Hypnosis
  • Malpractice
  • Medical Clinics
  • Medical Laboratories
  • Medical Marijuana Dispensary
  • Medical Practice
  • Mental Health Counseling
  • Nurse
  • Nurse Registry
  • Occupational Therapy
  • Ophthalmologist
  • Optician
  • Optometrist
  • Osteopathic Physicians
  • Otolaryngologists
  • Physicians Office
  • Plastic Surgeons
  • Podiatrists
  • Prosthetists
  • Psychology
  • Psychiatrists
  • Skilled Nursing Facilities
  • Speech Therapy
  • Substance Abuse Counseling
  • Surgeons
  • Telemedicine Business Insurance
  • Veterinarian

Buy Hawaii Malpractice Insurance Online (3)

Health care providers are the most trusted individuals in our society. Ironically, they are the same ones who can do the greatest harm. They actually have the right to invade our bodies with knives and to poison us with chemicals - all in the name of health care and with the goal of relieving our symptoms and hopefully bringing about a cure.

While the actions of these professionals normally benefit us, insurance coverage must be available for the times when mistakes happen and things go wrong. These professionals and their facilities have extensive property exposures that are becoming more and more intricate and whose values are increasing exponentially.

The 'one size fits all' approach that once could have applied to insurance for health care providers and their facilities no longer applies.

Professional liability offers protection against claims of malpractice for all sums that the medical professional becomes legally obligated to pay as damages because of rendering or failing to render professional services.

Professional and medical malpractice exposures are the most expensive and difficult of all exposures for health care providers. The commercial general liability policy excludes these exposures so separate coverage is needed. Most professional liability policies are written on a claims-made basis and, as a result, tail coverage and retroactive dates are important coverage issues to be aware of when evaluating the insured’s coverage needs and comparing coverages.

The coverage provided is often called medical malpractice. For decades, many involved in the health care field and insurance companies that provide insurance coverage to providers have stated that malpractice lawsuits have created an ongoing crisis of restricting insurance availability, due to loss of insurance companies that write the coverage and significant rate increases.

As a result, state legislatures have taken the following actions to address the situation:

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Imposed a dollar limitation of liability for malpractice suits.

Modified statutes of limitation to limit the number of years that a suit may be brought against a physician following a negligent act.

Modified when the statute of limitations takes effect. An example is beginning from a negligent act's occurrence rather than from its discovery.

Passed laws to modify tort law procedures and doctrines that relate to malpractice.

Because of differences in law by state it is important to know the states in which the covered health care providers are licensed and regularly practice. Some health care providers may practice in multiple states because of their particular specialty, their reputation or the demand for their services. Some hospitals may have ownership in facilities or provide services to patients that are outside of their main location state.

Minimum recommended small business insurance coverage: Business Personal Property, Business Income and Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Computers, Physicians and Surgeons Floater, Valuable Papers and Records, General Liability, Employee Benefits, Professional, Umbrella, Hired and Non-owned Auto & Workers Compensation.

Other commercial insurance policies to consider: Building, Earthquake, Equipment Breakdown, Flood, Leasehold Interest, Real Property Legal Liability, Computer Fraud, Forgery, Cyber Liability, Employment-related Practices, Business Automobile Liability and Physical Damage and Stop Gap Liability.

Request a free Hawaii Malpractice insurance quote in Ahuimanu, Aiea, Ainaloa, Anahola, Captain Cook, Eleele, Ewa Beach, Ewa Gentry, Ewa Villages, Haiku-Pauwela, Halawa, Haleiwa, Hanamaulu, Hanapepe, Hauula, Hawaiian Acres, Hawaiian Beaches, Hawaiian Ocean View, Hawaiian Paradise Park, Heeia, Hickam Housing, Hilo, Holualoa, Honalo, Honaunau-Napoopoo, Honokaa, Honolulu, Iroquois Point, Kahaluu, Kahaluu-Keauhou, Kahuku, Kahului, Kailua, Kalaheo, Kalaoa, Kaneohe, Kaneohe Station, Kapaa, Kapaau, Kapolei, Kaunakakai, Keaau, Kealakekua, Kekaha, Keokea, Kihei, Kilauea, Koloa, Kualapuu, Kula, Lahaina, Laie, Lanai City, Lawai, Lihue, Maili, Makaha, Makakilo, Makawao, Maunawili, Mililani Mauka, Mililani Town, Mokuleia, Mountain View, Nanakuli, Nanawale Estates, Napili-Honokowai, Ocean Pointe, Orchidlands Estates, Paia, Pearl City, Princeville, Puhi, Pukalani, Pupukea, Royal Kunia, Schofield Barracks, Volcano, Wahiawa, Waialua, Waianae, Waihee-Waiehu, Waikapu, Waikele, Waikoloa Village, Wailea, Wailua, Wailua Homesteads, Wailuku, Waimalu, Waimanalo, Waimanalo Beach, Waimea, Waimea CDP, Waipahu, Waipio, Waipio Acres, West Loch Estate, Wheeler AFB, Whitmore Village and all other HI cities & Hawaii counties near me in The Aloha State.

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Also find HI local small businesses by General Liability Class Code and learn about Hawaii small business insurance requirements for general liability, business property, commercial auto & workers compensation including HI business insurance costs. Call us (808) 300-0578.

FAQs

Which doctors pay the most for malpractice insurance? ›

Across all specialties, anesthesiologists paid some of the highest malpractice premiums. Nearly one quarter (24%) reported paying between $10,000 to $15,000 annually for malpractice insurance, and 17% said they paid between $15,000 to $20,000.

Where are rates for medical malpractice liability insurance the highest? ›

Are you wondering which states have the highest medical malpractice insurance premiums? Doctors in New York pay the most. Physicians in Rhode Island, Pennsylvania, and New Jersey round out the top four states for malpractice insurance costs.

What questions should I ask about malpractice insurance? ›

Make sure you have the best medical malpractice coverage available by asking these 6 medical malpractice questions.
  • Do you have the consent to settle?
  • Does your policy have a dreaded hammer clause?
  • Is Claims-Made or Occurrence right for you?
  • What triggers a claim on your Malpractice Insurance Policy?
Jun 28, 2016

Why is malpractice insurance so expensive in US? ›

Since there are so few medical malpractice payouts each year, insurers tend to invest a considerable portion of premiums into the bond and stock market. When the return on these investments increases, more firms join the market, and the increased competition drives down premiums.

What state has the most medical malpractice cases? ›

The states with the most medical malpractice suits over the past 30 years include California (138,110), Texas (122,197), New York (89,376).

How much do doctors pay for malpractice insurance in California? ›

Malpractice Insurance Rates for California Doctors
SpecialtyApproximate Claims Made RateApproximate Occurrence Rate
Emergency Medicine$23,000$27,600
Family Practice No Surgery$9,000$10,800
General Practice No Surgery$9,000$10,800
General Surgery$30,000$36,000
11 more rows
Dec 8, 2020

What are 3 factors that affect medical malpractice insurance rates? ›

Many factors impact how much a physician will pay in medical malpractice premiums:
  • The State Where Physicians and Healthcare Professionals Practice. ...
  • The Physician's Field or Specialty. ...
  • Physician's History With Claims and Losses. ...
  • The Physician's Insurance Provider. ...
  • Hours Worked by the Physician. ...
  • Competition Among Insurers.
Mar 19, 2020

Which state has the highest medical malpractice premiums? ›

According to NPDB data, the state of New York had the highest total medical malpractice payments, totaling $7.025 billion – followed by Pennsylvania, with $3.416 billion. North Dakota had the lowest amount of medical malpractice payments, totaling just $28.35 million.

What is the major reason for the rise in medical malpractice premiums over the last 5 years? ›

Part of the recent rate increase is because physicians broadened their coverage to include more comprehensive policies.

How much does medical malpractice cost the US? ›

Medical Liability Costs Estimated at $55.6 Billion Annually.

When a physician has malpractice insurance who should I contact first when faced with a malpractice lawsuit? ›

The first step to starting a medical malpractice case is contacting the doctor or medical professional who works with you before you actually file the claim.

What is the relationship between malpractice suits and healthcare costs? ›

A new study reveals that the cost of medical malpractice in the United States is running at about $55.6 billion a year - $45.6 billion of which is spent on defensive medicine practiced by physicians seeking to stay clear of lawsuits. The amount comprises 2.4% of the nation's total health care expenditure.

Is professional liability insurance the same as malpractice insurance? ›

Malpractice insurance is another name for professional liability insurance for legal or medical professionals. No matter what it's called, professional liability policies offer coverage if you make a mistake in your professional service. If a client sues you, these coverages will help pay for your legal defense.

How long should tail coverage last? ›

Most tail quotes are only good for 30-60 days and once the quote expires, you cannot have it reissued. It's important that you plan ahead for the purchase of your tail insurance and begin considering outside finance options, if necessary.

Is Hpso a good insurance? ›

Healthcare Providers Service Organization (HPSO) has a stellar reputation and offers comprehensive professional liability policies. With its multiple premium discounts, it has affordable policies for therapists' offices, and you can take your coverage with you if you leave your job.

What does aggregate mean in insurance? ›

The maximum amount of money your insurer will pay for all the claims you file during the policy period, typically one year, is known as your aggregate limit. Aggregate limits are distinct from per-occurrence (or per-claim) limits. These refer to the maximum amount an insurer will pay for a single claim or incident.

This guide to malpractice insurance for NPs covers what to look for when selecting a plan, and includes an interview with an expert.

“I have represented NPs who did not have enough insurance, or who were only covered by their employer, and who got in trouble with the board of nursing, and found themselves in a big heap of a mess.. Yes, you need malpractice insurance.. Finding the right coverage plan requires an NP to consider several factors: state regulations and practice environment; different types of malpractice insurance (claims-made versus occurrence-based); and whether to negotiate an employer-provided policy or sign onto an independent one.. Cathy Klein is a lawyer, educator, and nurse practitioner.. And the chances of being targeted by such a claim will continue to increase as NPs play a more prominent role in the US healthcare system, where they often act as primary care providers with prescriptive authority.. NPs must have their own malpractice or liability insurance, beyond what an employer may offer, and particularly with coverage for license defense.”. Therefore, NPs negotiating employer-provided malpractice insurance policies are encouraged to “buy the tail”—a term that means extending the coverage period of a policy so that it can include claims made after they leave their current position.. Employer-provided malpractice insurance rarely covers disciplinary actions; NPs are advised to carry their own independent policy which covers this area.. “You must have your own policy,” Klein says.. According to the nation’s largest provider of nursing liability insurance, the Nurses Services Organization (NSO), an NP’s specialty and work environment can affect their overall likelihood of being the target of legal action.. NPs will need to know the laws of their state, know the policies of their employer, and, most importantly, know that they have comprehensive malpractice insurance coverage.. “I have represented NPs who did not have enough insurance, or who were only covered by their employer, and who got in trouble with the board of nursing, and found themselves in a big heap of a mess,” Klein says.. Yes, you need malpractice insurance.

Extra Help is a Medicare program to help people with limited income and resources pay Medicare prescription drug costs. You may qualify for Extra Help, also called the low-income subsidy (LIS) if your yearly income and resources are below the following limits in 2022:

Extra Help is a Medicare program to help people with limited income and resources pay Medicare prescription drug costs.. You may qualify for Extra Help, also called the low-income subsidy (LIS) if your yearly income and resources are below the following limits in 2022:. Help paying your Medicare drug plan’s monthly premium, yearly deductible, coinsurance, and copayments No coverage gap No late enrollment penalty You automatically qualify for Extra Help if you have Medicare and meet one of these conditions: You have full Medicaid coverage You get help from your state Medicaid program paying your Part B premiums (in a Medicare Savings Program) You get Supplemental Security Income (SSI) benefits. Indiana helps eligible, low-income beneficiaries pay for Medicare with the Medicaid program.. MONTHLY INCOMEASSETS Qualified Medicare Beneficiary SINGLE. $1719. $8,400. COUPLES. $2,308. $12,600 Specified Low Income Beneficiary SINGLE. $1,946. $8,400. COUPLES. $2,614. $12,600 Qualified Individual SINGLE. $2,116. $8,400. COUPLES. $2,843. $12,600. Assets are things you own, such as checking and savings accounts, certificates of deposit, cash value of life insurance, stocks and bonds.. Medicare Prescription Drug Plans Hoosier Rx Low Cost Drugs Finding Help with Prescriptions Guide Pharmaceutical Manufacturers Association Free Medications Directory. Benefit Parameters2020202120222023 Deductible. $435. $445. $480. $505. Initial Coverage Limit. $4,020. $4,130. $4,430. $4,660. Out-of-Pocket Threshold. $6,350. $6,550. $7,050. $7,400. Minimum Cost-Sharing in Catastrophic Coverage. $3.60/$8.95 or 5%. $3.70/$9.20 or 5%. $3.95/$9.85 or 5%. $4.15/$10.35 or 5% LIS Copayments2020202120222023 Institutionalized (with full Medicaid benefits). $0. $0. $0. $0. Up to or at 100% FPL. $1.30/$3.90. $1.30/$4.00. $1.35/$4.00. $1.45/$4.30. Other LIS. $3.60/$8.95. $3.70/$9.20. $3.95/$9.85. $4.15/$10.35. Partial LIS Deductible/ Cost-Sharing. 85%/15%. 85%/15%. 85%/15%. 85%/15% Medicare Prescription Drug Plans People with Medicare can enroll in a Medicare prescription drug plan and receive extra help paying for the premiums, deductibles, gaps in coverage and co-pays.. Hoosier Rx Indiana's State Pharmaceutical Assistance Program, HoosierRx, can help pay the monthly Part D premium, up to $70 per month, for members enrolled in a Medicare Part D Plan working with HoosierRx.. have applied for the "Medicare Extra Help" through Social Security to pay for your Medicare Part D plan, and received either a "Notice of Award" or "Notice of Denial" from Social Security Your Social Security "Notice of Denial" must be because your resources are above the limit established by law Your Social Security "Notice of Award" must state that you are receiving partial extra help subsidy to help pay for your Medicare Part D premium. VA Prescription Benefit If you are an honorably discharged veteran, consider using your VA drug benefit ($8 per prescription per month).. Veteran can use the VA drug benefit by mail order for their monthly maintenance drugs and still use Medicare Part D for other prescriptions.. Low Cost Drugs Several national pharmacies have announced they are drastically reducing the cost of generic prescription drugs.. Do not have insurance that covers outpatient prescription drugs Do not qualify for government assistance Have income within their stated guidelines. It provides helpful information for lowering your prescription costs including low-income assistance, patient assistance programs, mail order prescription services, veterans pharmacy benefits, and Community Health Centers.

Bonded titles are legal proof of one's ownership of vehicles such as cars and motorcycles. See processes and requirements here.

In the context of motor vehicles, a bonded title is a certificate which provides proof of an individual’s ownership of a car, truck, or other type of motor vehicle.. A bonded title allows an owner to conduct various transactions legally, including:. In the majority of states, a bonded title may be issued for various types of vehicles, including:. In most cases, a bonded title can be obtained by filing with the DMV.. Although the laws may vary by state, the main requirements for obtaining a bonded title typically include the following:. It is important to keep any receipts of the certified mail sent; Obtain the relevant forms from the local DMV.. An individual usually cannot file for a bonded title if the vehicle in question was abandoned; and Some states may require that an individual pay certain taxes before they are issued a bonded title.. The bonded title process usually involves steps, including:. A bonded title dispute may arise during a transaction which involves the transfer of a car or another type of automobile.. The bonded title provides legal proof that the individual is the actual owner of the vehicle.. A dispute over a bond for title is generally handled like any other dispute involving a contract agreement.. A bonded title dispute may also be a major part of certain legal claims such as:. This may help the non-breaching party recover losses which were caused by the breach of contract or fraudulent bonded title.. Bonded titles can be very helpful if you are involved in certain types of legal disputes, as they may clarify who is the proper legal owner of a vehicle.

People looking for a therapist want to know how much therapy costs. The cost of therapy depends on many factors. Here, therapists explain the cost of therapy.

Under the Affordable Care Act , all insurance plans must cover mental health care.. When people pay for therapy through insurance, they typically must pay a co-pay.. Many offer community mental health clinics or referrals to free or low-cost services.. Should you choose to see a therapist outside of your insurance network, you will find that therapists charge different rates depending on their office location, level of education, and degree of expertise in their field.. Typically, insurance companies will limit the number of sessions they pay for in a calendar year so it is important to check with your insurance provider prior to initiating therapy to determine how much of the cost of treatment will be covered.. How private pay therapists set their rates is dependent on a number of factors: area, specialization and specialized training, number of years of experience, how in demand they are in the community, etc.. People considering therapy should consider the overall value of therapy, not just the cost.. Retrieved from https://www.npr.org/sections/health-shots/2017/11/29/567264925/health-insurers-are-still-skimping-on-mental-health-coverage Mental health and substance abuse health coverage options.

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