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Dental Office Insurance

Focusing on your patients is your job. Focusing on your insurance is ours.

 

Dental office insurance for your business needs.

Your patients’ teeth are your top priority. You take pride in knowing you’re providing the best care possible of every person who walks through your door. Staying up to date on news and trends in dentistry should be top of mind, not your insurance policies. Still, it’s imperative you cover your office’s unique risks with specialized dental office insurance.

Specialized dental office insurance helps protect your practice.

In addition to the standard office equipment like desks, chairs, and computers, your patient rooms contain equipment unique to the dental profession. Items like X-ray machines, dental chairs, lights, sterilization equipment, and more are all quite costly to replace. A standard business insurance policy may not contain adequate limits. Dentists often have visiting practitioners come in to help cover vacations or extended illness. Conversely, you may work in another office to fill in for someone else. In these circumstances, you need to be sure your insurer knows where you are and who is working in your office.

Dental malpractice and peer review policies are crucial.

Accidents can happen. Patients may also believe they have been treated improperly and, if they file suit or report you to the licensing board, you’ll need to defend yourself. Attorney fees can add up quickly, and if damages are awarded, you could be ruined financially if your practice is not properly insured. Basic dental office insurance policies generally don’t cover malpractice. Depending on the work you do and the population you serve, your needs could be different as well.

 

INTERACTIVE GRAPHIC

Click it. Read it. Cover it.

Dental offices are still businesses.

As specialized as your business is, you still need to have basic insurance coverages essential to businesses of all types. You’ll want to consider general liability, employee practices liability, cyber liability, and business interruption insurance, among other policies. Working with an insurance agent who understands the specific dental office insurance you need means you’ll be getting a comprehensive suite of policies to help protect your dental practice.

Don’t forget coverage for employees and contractors.

Your dental practice needs insurance coverage for its employees, too. Workers’ compensation insurance provides coverage in the event an employee is injured on the job. Hygienists, dentists, and dental assistants face an increased risk of injury based on the tools they use and their close proximity to patients. If you have contract workers in your office on an intermittent basis, be sure to talk with your insurance agent about what obligations you have to provide coverage for them, too.

If you’re interested in learning more about the specialized dental office insurance policies that may benefit your dental practice, contact us today.

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As an independent agency, we are here to help you find the right coverage.

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Workers’ Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper insurance coverage in place.

Solution

Maintain workers’ compensation insurance to provide benefits to eligible employees. Otherwise, you can be penalized for every day that coverage is not maintained, as well as for any benefits an employee would have been eligible for in the event of a job-related injury or sickness.

Cyber Liability Insurance

Risk Factor

The internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small practices alike. But with these benefits also come challenges, including protection of privacy, data, and the financial information of your customers.

Solution

Cyber liability insurance protects your practice in the event of unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, extortion, accidental release of personal identifiable information, and resultant damage caused by a lost or stolen laptop or other mobile device. This coverage is quickly becoming more and more important as you embrace technology to help run your practice.

Visiting Dentists

Risk Factor

There may be times when you cover for another dentist in their office. Similarly, you may have a dentist cover for you if you’re going to be away or unable to see patients. There may be other instances where you have independent contractors such as hygienists or dental assistants working in your office.

Solution

If your policy only covers you when you’re in your office and there’s a claim against you for work you performed in someone else’s office, you may not be covered. Your insurer needs to know the locations where you work as well as who is working in your office, even when any of these circumstances are on a temporary basis.

Specialized Equipment

Risk Factor

Many veterinary offices unknowingly underestimate the costs associated with replacing medical equipment. It’s not uncommon to find out that there is not enough coverage to replace it, and sometimes it’s already too late.

Solution

With a business owners insurance policy (BOP), most office equipment is included as business personal property and would be protected in the event of a covered loss. For specialized, high-valued equipment, a separate policy may be required. Your agent or broker can help you to make that determination.

Business Income / Business Interruption

Risk Factor

Your business relies on nature and the outdoors, but nature is unpredictable and fickle. All it takes is a nasty storm to flood your rivers or an equipment malfunction on your ziplines before your business has to shut down for a few hours or more. Every minute you’re shut down means lost revenue for you.

Solution

Business interruption insurance compensates you for lost income if your business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. This type of insurance covers the revenue you would have earned based on your financial records, had the incident not occurred. The policy also covers continuing operating expenses such as rent, electricity, and ordinary payroll.

Employment Practice Liability Insurance (EPLI)

Risk Factor
On average, it’s estimated that three out of five businesses will be sued by their employees. Restaurants, just like any other business, are vulnerable from the pre-hire process through to a possible reduction in workforce. Claims can stem from just about anything, such as someone taking a “joke” the wrong way and being offended.
Solution
Coverage to protect you against this risk normally comes as a standalone policy. The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations. Typically, the policy will cover your business as well as your directors and officers. Third party coverage is an added option, usually accomplished via a policy endorsement, and addresses claims made by customers or vendors against you from acts committed by employees.

License Defense

Risk Factor
More and more, people are reporting practices to their state licensing bureau for any number of reasons that are not related to the care you’ve given an animal. Defending these claims often requires representation by an attorney who has specialized knowledge in this area.
Solution
Responding to complaints against your veterinary license can be very costly. License defense coverage can help cover these costs. This separate coverage is necessary because this type of complaint is separate from lawsuits covered by malpractice insurance.

General Liability

Risk Factor

Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Dental Malpractice / Professional Liability

Risk Factor

Dentists and licensed staff face a high risk of being sued by patients for such things as claiming a wrong diagnosis or treatment. All lawsuits must be defended, regardless of merit. There may also be a time when you are called for peer review, and hiring an attorney familiar with this process may be necessary.

Solution

Professional liability insurance, commonly known as dental malpractice insurance, can help with the cost of legal expenses and other damages if a lawsuit is filed making allegations regarding errors in your work. Peer review defense may or may not be covered under standard malpractice insurance, which is important to know before it’s too late.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.