Liberty: The Preferred Insurance for Dentists

Gustavo Ruano, CIC, CLCS, CISR

Partner, CA License #0D30055

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Dental Insurance Options

Running a dental office can be demanding, and it’s a constant challenge for owners to deliver exceptional care while
maintaining profitability.

That’s where we come in at Liberty!

These challenges are magnified when you consider that dentists also need to balance risks related to property damage, patient complaints, disability, employee issues and protecting patient information.

Property

COMMERCIAL COVERAGE

Property

Water, Fire, Theft & Vandalism put dental offices at risk of property damage. Property covers loss to all your equipment, tools, furniture, computers, etc. but also includes the cost to rebuild Tenant Improvements & Betterments.

Employment Practices Liability

COMMERCIAL COVERAGE

Employment Practices Liability

Employee complaints and lawsuits related to Wrongful Termination, Discrimination, Harassment, Retaliation, Hostile Work Environment, etc is a concern for any business with employees, especially in California. This can cover the legal fees, settlement, and possible judgement against you. If you have employees, you need this coverage!

Workers’ Compensation

COMMERCIAL COVERAGE

Workers’ Compensation

Employee injuries on the job can result in workers' compensation claims for your organization. Even routine tasks like cleanings or X-rays can lead to accidents and higher costs for your business.

Cyber

COMMERCIAL COVERAGE

Cyber

Dental offices could be a target for Cybercriminals due to the sensitive Patient Information. An employee gets a phishing email and clicks on a bad link that gives Cybercriminals access to the system. Not to worry! Cyber Insurance typically includes Free Cyber Security Training for your employees.

General Liability

COMMERCIAL COVERAGE

General Liability

In the event that an injury occurs at your dental office, you may be held responsible. A simple wet floor or uneven surface could cause slips, trips and falls that may lead to costly insurance claims. General liability coverage can help cover any associated medical costs and possible lawsuits against you.

Disability & Business Overhead

COMMERCIAL COVERAGE

Disability & Business Overhead

Disability as a dentist doesn’t have to be a debilitating injury. All it takes are problems with your hands that prevent you from working. Disability Insurance & Business Overhead Insurance provides coverage when you are disabled. Disability pays an allotted amount of money per month while Business Overhead would cover various business expenses.

Professional Liability

Dental offices need to guard against mistakes made by dentists and hygienists, such as errors in procedures or not correctly identifying and treating issues. These mistakes can lead to pain or problems for patients and may result in expensive legal claims against the practice.

Professional Liability insurance:

  • Mitigates Risks: Professional liability covers errors in dental procedures and diagnostic mistakes.
  • Prevents Financial Loss: Protects against costly malpractice claims resulting from adverse outcomes like pain or disfigurement.
  • Offers Protection for Increased Exposure in Teaching Clinics: Risk is higher where less experienced practitioners are involved.
  • Is a Universal Necessity: All dental offices, regardless of size or specialty, face these liabilities.

Liberty, As Seen On:

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Let’s Connect!

Want to learn more about coverage options or opt in to be placed on a call back list closer to your insurance renewal time? 

1. ZoomInfo Form - Info Request Dentists - Gustavo Ruano
Do you require coverage for inflatable equipment?

Note: Liberty does not currently insure inflatable equipment. We are happy to discuss coverage for any other equipment.

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