Coverage for your practice, income, and team
- 01
Dental Malpractice Insurance
Review professional liability coverage for you, your providers, and the practice entity. Compare limits, policy types, defense provisions, and coverage when providers join or leave.
- 02
Business Owners Policy and Business Income
Review property, general liability, and business income coverage for your dental office. Consider equipment values, tenant improvements, covered causes of loss, and the time needed to recover.
- 03
Cyber Insurance
Compare coverage for breach response, data recovery, cyber liability, and interruption of your systems. Review limits, waiting periods, security requirements, and exclusions.
- 04
Workers’ Compensation
Review protection for work-related employee injuries and illnesses. Check payroll, job classifications, and coverage as your team or locations change.
- 05
Disability Insurance for Practice Owners
Compare personal income protection with business overhead expense coverage. Understand which benefit supports your household and which can help with eligible practice expenses during a covered disability.
What we recommend for practice owners
Common insurance questions from practice owners
Review malpractice coverage for yourself, other providers, and the practice entity. Coverage may be arranged through individual or group policies. Confirm who is insured, whether limits are shared, and how claims-made coverage is handled when a provider leaves. Professional liability is different from general liability and employment practices liability, so those exposures need separate review.
A Business Owners Policy typically combines property, general liability, and business income coverage. Business income coverage generally responds to a qualifying suspension caused by covered property damage, subject to the policy’s terms. Check limits, waiting periods, the restoration period, and any extensions. It does not cover every reason your office might close.
Patient records and connected systems can create costs when a breach or cyberattack occurs. Depending on the policy, cyber insurance may help with incident response, notification, data recovery, liability claims, or business interruption. Review exclusions, sublimits, security requirements, and any conditions on regulatory coverage.
Review your insurance before renewal and when your practice changes. Adding providers, hiring staff, buying equipment, renovating, opening another location, or changing revenue can affect your coverage needs. Bring current policies, payroll, equipment values, and lease requirements so your review reflects how the practice operates today.
Individual disability insurance can provide a monthly benefit if a covered illness or injury meets the policy’s definition of disability. Business overhead expense coverage is separate and can reimburse eligible operating expenses during a covered disability. Review the benefits, waiting periods, benefit periods, and covered expenses for each policy.
No. Business income insurance generally addresses a qualifying loss of practice income tied to covered property damage. Individual disability insurance addresses your income when an illness or injury meets the policy’s disability definition. Business overhead expense coverage addresses eligible practice expenses during a covered disability. These coverages serve different needs.
Next Step
Tell us about your practice
Start with a no-obligation, 15-minute review of your practice and current insurance. Bring your policies, renewal dates, payroll, equipment values, and lease requirements. We will help you compare coverage for the business, your professional liability, your income, and your team.
Schedule a 15-Minute Coverage Review