Running a dental office is similar in many aspects to running a small business. Every small business owner needs to have a custom designed insurance package that offers affordable rates and provides the protection you need.
Dentists in Montclair, Chino and Rancho Cucamonga work with Precision Insurance, an independent insurance agency with access to the top insurance companies. At Precision we act as your personal consultant and custom design your dentist insurance portfolio. We do this free, and we do not charge you for buying through our agency. As an independent broker we work for you, and insurance company you choose pay us.
There are some basic coverage’s that all dentists need, such as:
All these policies have one thing in common, they protect you and your business from claims made by patients or others against injury legal liability, bodily harm legal liability, property damage liability and other protection.
Incorporated dental office’s need certainty that their malpractice insurance is corporate malpractice or there is corporate endorsement on your malpractice insurance policy. Employees hired as independent contractors such as other dentists or hygienists need coverage by their own malpractice insurance policies. Ask for proof of insurance before agreeing that they can come on board. The difference premium costs between liability limits of $500 thousand/ $1 million and $1Million/$3 Million is very affordable and offers you more coverage for legal liability stemming from a claim of malpractice.
Dentists all over California from areas like Ontario, Pomona, and Riverside all carry this dentist insurance. Basically,General Liability Insurance (GL) protects you from legal liability for bodily harm or property damage up to your policy limit. If a person suffers a slip and fall, such as walking across a slippery exam room floor, slips, falls, and breaks her wrist – this policy cover you from legal liability for medical expenses, lost wages, future occupational or physical therapy expenses and more. If a member of your team is working on cleaning an expensive piece of bridge-work, it fall from his hand and shatters on the floor – this policy pays for the replacement cost of the bridge.
Next to malpractice insurance, this kind of dentist insurance provides protection from all sorts of risks.
It covers the cost of replacing lost, stolen or, destroyed data. Estimates are that the replacement cost of a single patient dental chart is around $150. Your general liability dentist insurance pays this cost.
Dental offices are nests for gossip. If an employee or even yourself is the defendant in a libel or slander suit – GL insurance protects you from legal liability stemming from plaintiff.
Whether you office is Long Beach, Torrance, or Palm Springs, in California and every other state it is a legal requirement that business with as little as one employee have worker’s compensation insurance. The risk of work-related injury or illness is low compared to other industries and that means the premium has less of a bite. This policy employs you and your business if an employee files a claim for a work-related injury or illness. It pays for medical expenses, lost wages, rehabilitation, and short-term disability. Your independent insurance agent will place the coverage with respected company for affordable rates.
Umbrella Insurance is a layer of protection for all your dentist office liability policies. When you have reached the per limit for occurrence or total policy limits this policy begins to pay (up to its limit). Umbrella policies usually give enough coverage that the policy prevents you from financial harm.
California dentists, call Precision Insurance at 909-752-0239 and let us help you put together a custom portfolio for your dental practice.