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Florida Dental Office Insurance quote and information.

  1. How do insurance companies define Dental Office?
  2. What risk exposure do Dental Office have?
  3. What is the price of Dental Office insurance?
  4. Is insurance for Dental Office required in Florida?
  5. What coverages are common to Dental Office businesses?
  6. Can you provide insurance anywhere in the state?

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How do insurance companies define Dental Office?

Dentists are doctors in the health care field who are concerned with the diagnosis, treatment, and prevention of disease, injury, damage or loss to teeth, gums, and the mouth in general. Dentists also are involved with the replacement of artificial teeth, bridges, dentures, and other such devices. Although it is becoming more common for crowns to be made in the dentist’s office, more extensive items such as bridges are molded and sent to dental laboratories for manufacture. Florida dentists must be specially educated and licensed. Property exposure is very light for fire and crime. Most property items are best covered with a physicians and surgeons inland marine floater. The business interruption exposure can be minimized if the dentist has arranged for temporary facilities with another dentist.

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What risk exposure do Dental Office have?

Inland Marine Exposure
Is the Florida physicians and surgeons floater items. This coverage will include items that the dentist may take off site to handle emergencies. It can also be extended to include all office furnishings. A dentist’s office will generally include sophisticated computer and video equipment as well as X-ray machines. All electrical wiring must be up to code and equipment properly maintained. A small fire, which produces smoke, can cause a lot of damage because of the need for sterile equipment. Additional exposures include accounts receivable and valuable papers and records (patients’ records and medical research books). It is vital that duplicates of all records and programs be kept off site in Florida. Target items for theft include gases, pharmaceuticals, and gold used for fillings. These items should be inaccessible for unauthorized use and stored in a protected area after hours. Crime exposure is from employee dishonesty of both money and inventory. All ordering, billing and disbursement must be handled by separate individuals. Monitoring must be constant.

Premises Liability
Exposure is light but the customer areas should be neat with no obstructions and well- lighted when people are traveling to and from the examination area. Overhead equipment should be moved before patients exit dental chairs.

Professional Exposure
Are a primary concern. All dentists and Florida employees should be well trained, experienced, and properly licensed. The more varied procedures that the dentist performs, the more chance of professional loss. Needles and other equipment must be sterilized and sanitized to prevent the spread of blood-borne infectious diseases such as hepatitis, HIV and AIDS. On-site surgery must be closely monitored, with an experienced trained individual administering and monitoring the use of the anesthetic. Many dentists handle cases requiring anesthesia in a hospital environment and use the staff anesthesiologist.

Automobile Exposure
Is generally limited to hired and nonownership liability for employees running errands unless the dentist travels to client locations such as hospitals and Florida nursing homes. In that case, the radius of the area driven as well as the age, record, and training of the driver should be checked. Overall, however, the exposure should be relatively light.

Workers Compensation
Exposure is primarily from possible transmission of disease from a patient. Dusts caused by grinding and exposure to adhesives and other substances can result in occupational injury. Gloves and masks should be worn at all times when working around the patient. Training and safety equipment should be in place to prevent exposure to radiation when performing X-rays in Florida.

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What is the price of Dental Office insurance?

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Is insurance for Dental Office required in Florida?

We are sorry, we haven’t posted an answer to this question yet. Ask us now and we will respond and
post the answer in one business day.

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What other insurance should a Dental Office consider?

Commercial Property, Employee Dishonesty, Money and Securities, Accounts Receivable, Computers, Physicians and Surgeons Floater, Valuable Papers and Records, General Liability, Professional, Employee Benefits, Umbrella, Commercial Auto, Workers Compensation

Can you provide insurance across the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.

  • Jacksonville
  • Miami
  • Tampa
  • St. Petersburg
  • Orlando
  • Hialeah
  • Tallahassee
  • Fort Lauderdale
  • Port St. Lucie
  • Pembroke Pines
  • Cape Coral
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Clearwater
  • Miami Gardens
  • Palm Bay
  • West Palm Beach
  • Pompano Beach