Liability Insurance & Benefits For Dentists, Dental Students and Staff

Disability Insurance For Dentists

As a dentist your most important asset is your ability to earn a prosperous living. Often dentists are unwittingly putting this asset at risk by overlooking or under-planning for the ramifications of a disabling illness or injury. Protect yourself with a disability insurance plan designed specifically for your occupation. Our plans are true own occupation policies, providing monthly disability benefits if you are unable to perform the duties of your occupation, even if you earn money doing something else. Full coverage to lifetime limit. Read More

Life Insurance

By working with the strongest portfolio of life insurance companies possible, we provide invaluable assistance to our dentist clients with their business and personal life insurance needs. Between term, whole life, and universal life insurance there are a myriad of choices in the life insurance market. We can help you sort through these choices and analyze your life insurance needs to determine the exact coverage to provide you and your loved ones (or your business) the best protection possible. Read More

Business Overhead Expense

Office Overhead Expense Disability provides a monthly benefit to reimburse you for the costs of maintaining your dental office during a period of your disability.  Many lenders, especially if using an SBA loan, will require this type of insurance – at least in the amount to cover their payments. Covered expenses include but are not limited to: Employee Salaries & Ongoing Benefits, Office Rent or Mortgage Payment, Equipment Loans, Utilities, Ongoing Insurance Premiums, Accounting & Legal Fees, and Office Supplies & Postage. Read More

Frequently Asked Questions for Disability Income

1. Why should I be so concerned about a “True Own” Occupation policy?

2. My bank wants me to assign my disability benefit over to them – is this a wise idea?

Why True “Own Occupation” Disability Insurance Matters

Workers Compensation For Dental Offices

Businesses with employees in Utah must have worker’s compensation insurance. We partner with AAIC for workers compensation solutions. The reason is simple. The AAIC program is designed with coverage tailored to the needs of the dental practice. This program provides needle stick reimbursement coverage, which reimburses dentists who pay for blood tests performed on patients when there is an accidental needle stick to an employee. This program is available in all 50 states with competitive pricing.

Workers Compensation Information and Application

Workers Compensation Frequently Asked Questions

1. What is the gross payroll I should report?

2. If I pay my spouse, do I need to include the payroll?

3. Can I just pay for the small claims myself?

Buy Insurance for New Dentists

Insurance for New Dentists

The Professional Protector Plan for Dentists insurance program is designed to accommodate the needs of new dentists. We offer comprehensive coverage with competitive insurance rates to new dentists starting with our $50 policy and discounts for the next three years following. Our policy includes worldwide coverage.

Comprehensive Dental Risk Management Program

The primary goal of a dentist’s risk management efforts should be to reduce risk of patient injury or dissatisfaction, thus diminishing the likelihood that a malpractice claim is filed. We help facilitate a preventive risk management approach for dentists and their staffs. Risk management information is available to insureds through a variety of ways, including live continuing dental education courses, risk management newsletters, sample letters and forms for dentists and an online continuing education course.

Cyber Application

Cyber Brochure

Cyber Security / Data Breach Insurance

Storing sensitive information on your network or connecting to the Internet makes your network a resource that can be easily exploited by criminals. Cyber crime is rapidly coming to the forefront of crimes committed. A cyber criminal can be as close as next door or half way around the world to commit a crime against you or your business. You can be held liable for sensitive information that was retrieved from your data base. Professional Benefits & Insurance dedicated to bringing our healthcare clients the latest insurance products to protect their practice.