Claim Scenario: Hired & Non-owned Auto

Rick Dentist, DDS has a patient coming in for her dentures at 11 a.m. It is already 10:30 a.m. and the dental lab still has not dropped them off at the office.  Dr. Smith does not want to reschedule the patient so he asks his receptionist to go to the lab to pick them up in her car, which usually occurs a few times a week.  As soon as the receptionist pulls out of the driveway she rear ends another ...

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Case Scenario: Fire & Sprinkler Damage

This scenario is an example of what a dental business office insurance policy covers during fire and sprinkler loss. Every loss is different, and we encourage you to contact your insurance agent with any questions on your specific policy coverages and forms.

Insured Description:

Our insured operates a dental practice from the loss location, which is a single story office building constructed of metal framing with stucco siding. The building is approximately 3,500 square feet and is built on a concrete slab. ...

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Healthcare Cyberliabilty Threats

What Email Scams Look Like and How to Avoid Them

We have all seen the huge healthcare industry breaches in the news recently, from the 11 million member breach of Premera Blue Cross to the 80 million member breach of Anthem. However, what a lot of practices don’t realize, or are in denial about, is that this also is happening at dental offices, daily.  Small healthcare organizations are specifically targeted for two reasons: first because they fail to upgrade their cybersecurity ...

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