Common Coverages for Dental Professionals
Many dental offices start with a Business Owner’s Policy (BOP) as their foundation for small business insurance protection. A BOP combines three essential types of coverage into one policy:
General liability insurance helps protect you from claims that your dental office caused bodily injury or property damage to others.
Commercial property insurance, which is also known as business property insurance, helps protect your owned or rented office, tools, equipment and inventory. This includes:
- Patient chairs
- Dental lights
- Sterilization equipment
- And more
Business income insurance helps replace your income if you can’t operate your dental practice because of covered property loss.
Workers’ compensation insurance helps protect your dental office staff if they get a work-related injury or illness. We offer many benefits, including a needlestick reimbursement program that helps pay for the initial testing and other out-of-pocket costs of your employee and their patient.
Optional coverages can help cover your dental office’s lost income for:
- Medical waste disposal
- Contaminated water closure
- Employee dishonesty
- Equipment breakdown
- Cyber/Data breach
- Spoilage of perishable supplies