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?

How do insurance companies define Florida Dental Office Insurance?

Dentists are doctors in the health care field. They diagnose, treat and prevent disease, injury, damage or loss to teeth, gums and the mouth in general. Dentists also replace teeth with artificial teeth, bridges, dentures and other such devices. Crowns are increasingly 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. A physicians and surgeons inland marine floater best covers most property items. A dentist can minimize the business interruption exposure by arranging for temporary facilities with another dentist. All these risks are why it’s important to fit the correct Florida Dental Office Insurance to your business.

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What risk exposure do Dental Office have?

Inland Marine Exposure

Inland marine exposure is the Florida physicians and surgeons floater items. This coverage includes items the dentist may take off site to handle emergencies. It can also extend to all office furnishings.

A dentist’s office generally includes sophisticated computer and video equipment as well as X-ray machines. All electrical wiring must be up to code, and equipment must be properly maintained. A small fire that produces smoke can cause a lot of damage because the equipment must stay sterile.

Additional exposures include accounts receivable and valuable papers and records (patients’ records and medical research books). It is vital to keep duplicates of all records and programs off site in Florida.

Thieves target gases, pharmaceuticals and gold used for fillings. Keep these items inaccessible for unauthorized use, and store them in a protected area after hours.

Crime exposure comes from employee dishonesty of both money and inventory. Separate individuals must handle all ordering, billing and disbursement. Monitoring must be constant.

Premises Liability

Exposure is light. Even so, keep customer areas neat, with no obstructions, and well lighted when people travel to and from the examination area. Move overhead equipment before patients exit dental chairs.

Professional Exposure

Professional exposures are a primary concern. All dentists and Florida employees should be well trained, experienced and properly licensed. The more varied the procedures the dentist performs, the more chance of professional loss.

Sterilize and sanitize needles and other equipment to prevent the spread of blood-borne infectious diseases such as hepatitis, HIV and AIDS. Monitor on-site surgery closely. An experienced, trained individual should administer and monitor the anesthetic. Many dentists handle cases requiring anesthesia in a hospital and use the staff anesthesiologist.

Automobile Exposure

Automobile exposure is generally limited to hired and nonownership liability for employees running errands. The exception is a dentist who travels to client locations such as hospitals and Florida nursing homes. In that case, check the radius of the area driven and the age, record and training of the driver. Overall, however, the exposure should be relatively light.

Workers Compensation

Exposure comes primarily from possible transmission of disease from a patient. Dusts from grinding and exposure to adhesives and other substances can result in occupational injury. Staff should wear gloves and masks 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?

There’s no single price, because insurers rate each dental practice on its own details. The biggest factors are the ones our quote form asks about:

• Your number of employees and payroll
• Your annual sales
• The square footage of your location
• Whether you use subcontractors and whether they’re insured
• The liability limits you want
• Your claims history

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Dental Office required in Florida?

Yes. To be licensed or renew, Florida dentists must carry professional liability insurance of at least $100,000 per claim with a $300,000 annual aggregate. They can hold a letter of credit for the same amounts instead. The coverage must include the dental hygienists they supervise. Dentists with no malpractice exposure in Florida can be exempt (Rule 64B5-17.011, Florida Administrative Code).

Florida requires workers’ compensation once a practice has four or more employees. Owners who are corporate officers or LLC members count toward that number. Sole proprietors and partners don’t count, unless they choose to be covered (Florida Division of Workers’ Compensation).

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 anywhere in the state?

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