Texas Dentist Insurance
We Understand Dentist Office Insurance
The dental industry is growing and so is the demand for quality insurance for dental offices.
Unexpected events happen despite the best of intentions. When they do, dental professionals and their practices become vulnerable to interruptions and lawsuits. We want to ensure your practice is coveredsufficientlyfrom these events and help protect your patients,employees, reputation and future.
Why Texan Insurance?
We specialize in providing Dental Malpractice Liability, Business Owners Insurance (BOP),Workers’ Compensation Insurance and Commercial Auto Insurance for your dental practice. Our areas of expertise include individual and group practice dental, orthodontic, periodontic, prosthodontic and endodontic offices.
Malpractice suits are a major concern to all healthcare workers. Dental practices can be very vulnerable when it comes to claims of errors and omissions. At Texan Insurance, we want to help you protect your employees, your business and yourself. We offerProfessional Liability Insurance at a flat, annual premium basis, with ratesdependent on factors such as specialization, practice location and state law.
Business Owners Insurance (BOP)
Technological advancements in the dental industry have changed the landscape of today’s dental practice. The Texan Insurance program, offered through The Hartford, specifically addressesthe needs of a modern dental office.
Precious metal storage is unique to dental offices. Gold, silver, platinum and other alloys used to make fillings are often targeted for theft. Protect these valuable resources with one of our Super Stretch and Premium Stretch endorsements,specifically tailored for dentists. We cover up to $25,000 in losses.
We know you do your best to follow all EPA guidelines, but improper disposal of bio-waste remains a problem. We offer an optional Reimbursement of Legal Expenses for Disposal of Medical Waste and Reimbursement of Legal Expenses for Court or Review Boards coverage. Expenses are reimbursed up to $50,000.
Should a state or court review board bring disciplinary actions against you, we automatically include a $5,000 limit on policies for dentists, with up to $75,000 available at an additional cost.
Diagnostic and Treatment Equipment Breakdown
With thousands of dollars of diagnostic and treatment equipment in your office, you need to know that your high-speed drills, sandblasters, lasers and 3-D technologies are covered. We also cover any mechanical breakdowns of computer equipment, phone systems and digital X-ray machines.
Coverage also is offered for:
· Computer imaging and media
· Valuable papers
· Spoilage/ perishable medicine and medical supplies
· Business income and extra expenses
Workers’ Compensation Insurance
Dentists and dental technicians,in particular, are susceptible to injuries that can put them, and you, at risk for disease.Texan Insurance wants to help get your injured workers back on the job. Our Workers’ CompensationInsurance coverage pays for the initial cost of testing, provides reimbursement forblood tests on the source of contaminationand offers access to a network of more than 400,000 skilled health care providers.
We automatically add a Broad Form endorsement to most policies at no cost to you. Our Commercial Auto insurance is beneficial to your dental practice in many ways:
· Non-Owned Vehicle coverage considers your employees asInsureds. If they are involved in an accident, even when driving theirown automobile, then Personal Liability coverage is provided in excess of their personal insurance.
· If your practice purchases or leases an expensive vehicle, we offer Lease Gap and Loan Gap coverage that pays out the actual cash value for the outstanding loan balance on a covered auto suffering total loss.
· If a non-hybrid vehicle is a total loss, we will help you replace it with a hybrid and pay an additional 10 percent of the ACV up to $2,500.
Every dental practice faces unexpected risks, and lawsuits can occur with the most experienced and careful practitioners. Our Excess/Umbrella Liability Insurancehelps to increase your financial protection in the event of a claim that extends beyond your initial coverage limits.
At the heart of every good dental practice is a group of quality employees. Reward them with our Employee Benefits Program. Highlights include:
· Group Disability
· Group Life and Accident
· Retirement Plans
· Absence Management
· Voluntary Benefits
· Group Retiree Health
Contact Texan Insurance for More Information
Texan Insurance has partnered with The Hartford to provide your dental practice with broad coverage options and competitive pricing. The Hartford has more than 30-years experience working in the healthcare industry, so you can count on your business receiving the highest of quality services.At Texan Insurance, you can trust in our expertise and experience to protect your future with our customizable coverage options.
Contact Texan Insurance today for a free evaluation of your coverage needs!