Lines of Coverage

Professional Liability/Malpractice

Professional liability coverage is a narrowly defined type of insurance.  It exists for the sole purpose of addressing allegations that the professional's error in judgment or execution has led to an injury, damage to property or additional expenses and that this error should have been avoidable. Learn More

Office Property/Premises Liability

A Business Owner Policy (BOP) is a versatile policy that is issued to cover the commercial or business property and the general (public) liability for a small business.  The two coverage sections of a BOP policy are Property and General Liability. Learn More

Worker's Compensation

A worker's compensation policy is really the combination of two different coverage forms, worker's compensation and employer's liability.  In most states, employers are obligated to carry workers compensation. Learn More

Disability

Disability insurance pays an insured person an income when that person is unable to work because of an accident or illness. Learn More

Life Insurance

There are two major types of life insurance--term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. Learn More

Health Insurance

There are essentially two kinds of health insurance -- Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Learn More

Long Term Care

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living-sometimes referred to as ADLs. In general, if you can't do two or more of these activities, or if you have a cognitive impairment, you are said to need "long-term care." Learn More

Data Breach

Your practice controls sensitive information about your patients.  For most dentists, that information is stored in both paper and electronic form. Learn More

Employment Practices Liability

Employment Practices Liability (EPLI) coverage is often added to a BOP policy.  It is also offered as a separate policy if higher limits are required. Learn More

Commercial Vehicle Liability

Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies can be written to include coverage for damage to owned, leased or rented vehicles in addition to bodily injury or property damage done to a third party. Learn More

Surety Bonds

A simple and inexpensive bond required by the IRS if your practice has set up a qualified pension or retirement fund. Learn More