Dentist and Doctor Insurance
As a doctor or dentist in Hanover, PA, or the surrounding areas, insurance for your practice is probably the last thing you want to deal with. Having a full calendar of patients, dealing with employees, and working 60-80 hours a week does not leave a lot of time for researching. The experienced team at Rumbaugh Insurance is here to help with a few things you should know when purchasing insurance.
Use an experienced independent agent.
Using an independent agent versus a big-name company can provide you with many more options. We have access to multiple companies that may have differing coverages. Being able to assemble a policy that fits with your unique situation is what we specialize in.
Basic coverages to consider:
Get a dental or doctor office quote today.
General Liability:
With a doctor or dentist office, there is always the possibility of someone falling and injuring themselves. Your business is dependent on people coming to your premises, so the risk of this happening is high. General liability will pay to defend and indemnify anyone who brings suit against you if the claim is approved.
Property:
If you own your building, or lease and are required to cover the building insurance, you will need a commercial property policy. You will even include your items inside the building under business personal property. Another essential coverage you should have is business income so, if you are unable to work due to a covered loss, you still have income coming from somewhere.
Professional Liability/Malpractice:
Since you are an experienced professional doctor or dentist, you have a high risk of being sued for an error or omission due to your expertise. Making a mistake, being negligent, or not providing a service can all cause an issue that this coverage can protect you from.
A few other things to consider, depending on your situation, would be workers' compensation, cyber liability, and umbrella liability insurance. Contact us today to discuss your options.
Common Risks for Medical & Dental Practices
Compared to other professions, medical and dental offices face industry-specific risks that standard business insurance policies may not fully cover. Not having the correct protections could lead to a costly financial setback or legal claims if an incident happens.
Some of the most common risks healthcare professionals face include:
Patient injury claims
Malpractice lawsuits
HIPAA violations and data breaches
Employee workplace injuries
Damage to expensive medical equipment
Fire, water, or storm damage to office property
Business interruptions that impact revenue
Cybersecurity threats and ransomware attacks
At Rumbaugh Insurance, we help healthcare professionals and dentists identify potential risks and build an insurance plan designed to protect your practice, employees, and long-term success.
Contact Rumbaugh Insurance Today!
Dentist & Doctor Insurance FAQs
-
Most medical and dental practices need a combination of professional liability insurance, general liability insurance, commercial property coverage, workers’ compensation, and cyber liability insurance.
-
Professional liability insurance, commonly called malpractice insurance, can be included in a customized healthcare business insurance policy.
-
Yes, commercial property insurance can help protect medical and dental equipment, computers, furniture, and other business property from covered losses.
-
Healthcare providers store sensitive patient information that can be targeted by cybercriminals. Cyber liability insurance can help cover costs related to data breaches, ransomware attacks, and recovery expenses.
-
The cost of coverage depends on factors such as the size of the practice, the number of employees, the services provided, the claims history, and the coverage limits selected.