For dentists

If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.

This unique business owners package is very good for your practice because of its exceptional built-in features:

• Replacement cost coverage for property in your care If property in your care is damaged or destroyed in your office, you’re insured at replacement cost rather than actual cash value. This coverage pays regardless of fault and applies to anything from equipment you lease-to personal possessions of employees and patients.
  
• Hired and non-owned auto coverage As an employer, you could be held liable if one of your full- or part-time employees is negligent while driving his or her vehicle in your behalf—whether delivering a diagnostic cast to a laboratory or picking up a prosthetic case, making a bank deposit or perhaps driving a patient home. Normally you must buy separate coverage for this exposure. We include it.
  
• Fire legal liability coverage We have broadened this important coverage to insure damage from most causes of loss-including water damage and explosion. You’re protected, for example, if one of the high pressure water lines to your dental units ruptures and a building you rent or an adjoining business gets soaked.
  
• Off-premises utility coverage If power failure temporarily knocks you out of business, most programs don’t assist you. We give you specific coverage for loss of income and extra expenses you incur after the first 12 hours following the loss.
  
• Sewer/drain backup coverage We pay for damage from backed-up or clogged sewers or drains. Damage from this not infrequent "disaster" is covered regardless of who is at fault.
• Stock spoilage coverage If you refrigerate restorative materials, bonding composite or anesthetics and they become unusable due to mechanical breakdown or interruption of electrical power, you’re covered up to your business personal property limit.
  

Our Deluxe Dentists Program also includes these important all-around business coverages:

• Valuable papers and records coverage to restore or replace these documents.
• Accounts receivable coverage for money you are unable to collect because these records are destroyed.
• Money and securities for funds that are stolen or destroyed while on or off your premises.
• Business income and extra expense coverage for up to 12 consecutive months following a loss.
• Business personal property off premises coverage for all your dental and office equipment and supplies and other business personal property in transport to and from your office, at home or at other locations away from your premises.
• Statues, marble, porcelains and other fragile articles
• Glass coverage for damage to exterior or interior glass.
• Outdoor signs
• Sewer/drain backup coverage for damage caused by backed-up sewers or drains.

Of course, our Deluxe Professional Office Program for Dentists also provides all the fundamental property and general liability coverages found in standard commercial policies to protect your building, contents, premises and operations, plus many other tried-and-true coverages to guard your practice against financial loss.

• Systems breakdown For heating, air conditioning and electrical systems used to maintain your business.
• CompuPak® Comprehensive coverage to insure your information processing systems against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many other types of loss. Covers both your hardware and software.
• Group coverages Group term life and short-term or long-term disability coverage is available to protect—and help you retain—your employees. The cost is surprisingly low.
• Business continuation This coverage integrates a funded buy/sell agreement into your plan, protecting the interest of the owners of your practice and the future of your operations.
• Building ordinance or law coverage To cover increased costs in construction related to local or federal regulations.
• Employee dishonesty With your choice of limits per occurrence.
• Employment practices liability This coverage protects you against loss resulting from a wide range of employee lawsuits, including discrimination, sexual harassment and wrongful termination.
• Employee benefits liability coverage To protect you against errors and omissions in administering your employee plans.
• Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal way to meet your legal requirements (ERISA) to protect plan participants against theft of funds.
• Workers compensation Yes, this absolutely essential coverage is available for your business. Ask your agent for details.

• Key employee coverage Designed to protect your business upon the loss of a key employee. Funds can be used to find, hire and train a replacement, as well as compensate for lost business during the transaction.
• Simplified pension plans Owners of small businesses can turn to either a SEP-IRA or a Simple IRA to get the benefits of a qualified pension plan without the higher administrative costs and paperwork hassles.
• Debt protection This coverage can secure the funds needed to pay off a company’s debt upon the death of an owner, helping the business continue as a viable entity during this difficult time.
• Non-qualified executive plans A business may want to reward key people in the organization with such executive plans as deferred compensation, executive bonus and split dollar coverage. Each plan rewards the executive while tying them more closely to the continued success of the business.

• Automobile For your business and personal use
• Homeowners Complete coverage for your personal property and liability needs
• Life Choose from a wide variety of life insurance plans to protect you and your family
• Excess liability Broader coverage for losses above the limit of your underlying policies
• Shipmate® Coverage for your boat and liability for protection for you
• And much, much more

Want to know more about our dentists’ program? Contact an agent in your area, or get in touch with our office nearest you.

Note: These coverages are not available in all states. In the event there are discrepancies between this information and your policy, the terms of your policy will govern. Consult your independent insurance agent for more information.

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