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General Liability and Property Insurance for Dental Practices
Should a patient slip and fall on a wet floor in your office, or hit his or her head on overhead equipment, your dental practice could be at risk of a bodily injury lawsuit. General liability insurance protects you against high legal costs stemming from these and many other scenarios in which patients or visitors may be injured while at your office. Coverage also extends to patients' and visitors' legal allegations of property damage incurred at your facility.
A typical dental practice houses valuable equipment, computer systems, precious metals and other business property, so property insurance is also a must. Thankfully, Business Insurance Now offers a cost-effective Business Owner's Policy for dentists that combines general liability protection with property coverage for one affordable premium.
In addition to the general liability benefits described above, a BOP covers your business property against loss, theft or damage, whether it's at your own office or at another location. Coverage may include equipment, computer systems and data, furnishings, valuable papers and records, precious metals, and other business property.
What Business Owner's Policies Cover
While coverage varies by policy and carrier, a dental Business Owner's Policy and its optional endorsements can provide coverage for a wide range of concerns, including:
- Equipment breakdown, including electrical arcing or artificial electrical current and mechanical breakdown
- Computers and media, including physical loss or damage to computer hardware and loss of or damage to data or computer software
- Computer virus damage
- Loss of income or extra expense due to web site downtime
- Valuable papers and records
- Precious metals
- Mercury and bio-waste disposal
- Disciplinary action from peer councils or state agencies
- Spoilage of perishable medicines and medical supplies
- Reimbursement of lost earnings for up to 12 months after a covered loss, and extra expense coverage needed to continue business operations during the period of restoration
- Losses caused by the inability to collect outstanding balances as a result of lost or damaged records
- Physical loss or damage to business property, including computers and media
- Lost or damaged data or software
- Virus damage to computers, software and data
- Lost income or extra expense related to denial of service attacks, hackers, or service interruption of your hosted web site
- Accounts receivable
- Unauthorized business card use
- Replacement of lost valuable papers, such as records of property ownership transfers or clients' tax returns
Contact Business Insurance Now for a Free Risk Assessment
With so many coverage options to consider, many dentists need help selecting the right general liability and property insurance policy and coverage level to address all of their practice's risks. Contact the residential real estate insurance experts at Business Insurance Now for a free risk assessment to help you select the right coverage for your business.
Get a FREE general liability insurance quote now!
- How much general liability coverage do you need as a dentist? It depends on several things, including the state in which you work and your unique level of risk. Ask Business Insurance Now for a free risk assessment to determine your potential liability and ensure that your coverage is adequate.
- General liability insurance doesn't cover claims related to professional negligence. For such "errors and omissions" claims, you'll need to buy a separate professional liability insurance policy.