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| *Loan,banking and credit>>>dental insurance |
What kind of insurance would you need to cover a dental practice. How much does it cost.? |
What kind of insurance would you need to cover a dental practice. How much does it cost.? Well, you need slip and fall liability for the office. You need dental malpractice. You need property coverage, for your equipment. You need workers comp for your employees. How much it costs is going to depend on 1. the area of the office 2. the gross receipts of the practice 3. your years in practice 4. if you're part time or full time 5. your claims history 6. your city/state of practice 7. the types of procedures you do 8. the value of your property 9. the protection class of your location 10. the type of alarm system 11. the construction and number of other occupants of your office building. and 12. the payroll for your business. Source(s): agent, 21+ years It's like a yacht. If you have to ask, you can't afford it--at least, not yet. You'd need malpractice, fire and theft and some general liability in case a patient sits in a chair that collapses and breaks his wrist. You will need several policies. The first one will be a Commercial Package Policy to provide coverage for Commercial General Liability (slip and fall claims) and to cover your Business Personal Property (your equipment, the improvements that you did to your premises, supplies, etc.). Also your Landlord will usually require you to name him/her as additional insured under the liability portion of this policy and might require a specific limit under the lease. You will also need a professional malpractice policy to cover any claims involving malpractice that is specific to dentists. If you have employees you will need Workers Compensation Insurance and should also consider Employee Practices Liability Insurance to protect you against claims involving wrongful termination, discrimination or sexual harrassment. And if you have employees to retain a contented staff and compete in the local job market consider Group Health, Disability and a Retirement Plan. If you own an automobile that you use for business, you will need a business automobile insurance policy. In terms of pricing it will depend on how much coverage you need and your local market. Consider getting referrals to agents that specialize in Business Insurance and get more than one quote. Also make sure that you have a checklist of the items that you will need to give them to get you a quote--the square footage of your location, the amount of Business Personal Property you will have, what limit you want or is required under your lease for Commercial General Liability, does your Landlord need to be named Additional Insured, what is your payroll, what are your projected receipts, etc. In terms of the Malpractice Insurance you will usually need a copy of your Curriculm Vitae or Resume, copies of your license(s), and to fill out a detailed questionnaire which will include information on any prior claims made against you. I am a Certified Insurance Counselor with 26+ years experience in Insurance, Real Estate, Construction, etc. please try this <a href="http://www.anrdoezrs.net/click-1748196-1... target="_top">help!</a> <img src="http://www.lduhtrp.net/image-1748196-104... |
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