One practice. Multiple locations. One coordinated insurance strategy
Get a QuoteManaging Insurance Across Multiple Dental Locations
As your practice adds locations, providers, employees, and legal entities, managing insurance becomes more complicated. We build coordinated insurance programs around how your locations operate together, helping you identify gaps, unnecessary duplication, and limits that may be shared across the organization.
What changes when you add locations?
- 01
More Named Entities
Each operating company, property-holding entity, and management company may need to be properly addressed.
- 02
Shared Insurance Limits
A claim at one location may reduce the limits available to the rest of the organization.
- 03
Different Property Exposures
Every office has its own equipment, improvements, lease obligations, and business-income needs.
- 04
A Larger Workforce
More employees and providers increase workers’ compensation and employment-practices exposures.
- 05
Connected Technology
A cyber incident involving one system or vendor could affect every location.
- 06
Continued Growth
New locations and acquisitions must be incorporated into the program as the organization expands.
Coverage coordinated across your practice
Where appropriate, we coordinate your locations under a consistent insurance strategy. Which of these belong in your program, and at what limits, depends on how your offices are structured.
- Professional and entity liability
- Property and business income
- General and umbrella liability
- Workers’ compensation
- Cyber liability
- Employment practices liability
- Commercial auto and hired/non-owned auto
- Employee benefits
Common insurance questions from growing practices
Often, yes. Where appropriate, we coordinate your locations under a consistent insurance strategy with aligned coverage, limits, and renewal dates. That approach is designed to reduce the gaps and unnecessary duplication that can occur when each office is insured separately.
We add the new location to your existing program before it opens. That way there is no gap in coverage on day one. We also review whether the new office changes your overall risk profile.
It depends on how your coverage is structured. We review shared limits, aggregates, and policy structures so you understand how a claim at one location could affect the organization.
Each state has different workers’ comp requirements. We coordinate your policies so every location is compliant with its state’s regulations while keeping your program as streamlined as possible.
Next Step
Growing? We can keep up
Insurance for multi-location dental practices should fit where you are today and where you are going next. Tell us how many locations you have and where you are headed. We will help build a program that fits today and scales tomorrow.
Schedule a Program Review