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Types of Insurance for Dental Clinics

3/31/2017

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Just like any other business venture, running a dental office has its share of risks. The services you provide, the possibility of being affected by natural disasters and bodily injuries to workers or patients can have significant consequences to your business. Therefore, you should be aware of the different types of insurance that you can acquire to help protect your assets, your business and your professional license.
When you’re looking for the right insurance policy for your business, there are key points to consider. To know more about this, read on for the different types of Dental Office Insurance.

1)      General Liability Insurance

This coverage would basically protect your clinic against non-malpractice claims by employees, patients, or other visitors. There are three areas of coverage offered under a general liability policy, namely: products liability, premises liability, and completed operations.

To illustrate, if the products you sell in your clinic would cause any untoward incidents such as allergic reaction, these are covered under products liability. When accidents like slips or falls happen in your clinic, premises liability coverage could pay for the medical costs of the people involved. Lastly, any breakage, damage or loss caused by your dental services would fall under completed operations.
2)      Professional Liability (Errors and Omissions) or Malpractice Insurance

As a professional you must understand the malpractice risk that you are facing in your dental practice; the possibility of a lawsuit is always present. This policy will help you with the financial ramifications, such as lost income and legal costs, that may be caused by the lawsuits filed by patients who sue you for accidents and damages incurred from your dental services.

3)      Business Owner’s Policy

When natural disasters strike your dental office, this part of the policy will cover expenses if you lost an office structure and its contents. Moreover, if you accidentally lose important patient files in your system due to some bug or virus, it will be covered as well. Business owner policy will also cover a wide array of items including income loss, dishonest employees and many others.

4)      Dental Office Business Property Insurance

In the event that incidents like fire, floods from severe weather conditions and other natural disasters will happen, this policy will protect you from the expenses of damages that is caused to your dental office as it would cover repairs and replacement of the items.


5)      Dental Office Commercial Auto Insurance

Having business auto insurance is prudent, especially if your dental clinic uses vehicles for business purposes in any way like running errands to get supplies or bank deposits.  Commercial auto insurance coverage will help you protect your vehicle from any road dangers, property damages, theft, vandalism, uninsured motorists and bodily injury caused by accidents on the road.

6)      Data Breach Coverage

This is also known as the Cyber liability insurance. In the modern time, the possibility of having a significant breach in private client data (such as medical records and pertinent personal information) is higher. This policy will help you pay for the identity recovery and monitoring service charges incurred by each and every client if your system gets hacked, as well as the expenses of restructuring your entire computer network security system.  
7)      Dental Office Workers’ Compensation

This coverage is required by law if you have employees working in your dental clinic. This policy would help them pay for income loss and medical costs if ever they sustain any injury like slips or falls in the work area.

8)      Dental Office Umbrella Insurance

Umbrella insurance allows you to have an additional limit of liability coverage which will pay for damages that are beyond the primary policies (general liability, business owner’s, business auto, and the likes) and some worker’s compensation policies.

To help you run a successful business and prepare against any damage or loss that your dental clinic may experience, it is essential to make sure your business is properly covered
Here at Western Pacific Insurance, we can help you protect your business. Give us a call at (702) 932-3105 or visit our office today. You may also get a free quote by clicking here.

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