Maintaining Your Practice's Health: Insurance for Texas Dentists
Texas dentists play a crucial role in keeping our smiles bright and communities healthy. Every day, you provide expert care with compassion and skill. But running a dental practice comes with its own set of challenges and risks, and having the right insurance helps protect what you have worked so hard to build. At Rollo Insurance, we understand the needs of dental professionals across Texas and want to help you feel confident your practice is covered.
Unique Risks Faced by Texas Dentists
Dentistry is not without hazards. Malpractice claims can arise from misdiagnosis, treatment errors, or surgical slips, any of which could lead to expensive lawsuits. You are also responsible for your staff, whether that includes dental hygienists, assistants, or office personnel. Injuries that happen at your office, such as slip-and-falls, can create liability issues. Protecting sensitive patient information is vital because HIPAA violations carry heavy penalties. Billing mistakes or accusations of fraud can put your practice under scrutiny. Equipment breakdowns or malfunctions could disrupt your daily work and cause financial strain. With so much information stored electronically, cyber risks like data breaches and attacks are an ongoing concern.
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What Insurance Texas Dentists Should Have
At the core of your coverage is dental professional liability insurance. This coverage shields you from claims tied to negligence or mistakes in care. Texas law requires certain malpractice protections, so make sure your limits match the complexity of your work. Commercial general liability insurance can protect you if someone gets hurt or property is damaged in your office. If you have employees, workers’ compensation insurance is generally required and covers their medical bills and lost wages if they get hurt while working. Business interruption insurance can help keep things afloat if you need to temporarily close due to unforeseen events like a fire or bad weather. Cyber liability insurance is essential to guard against data breaches and privacy violations. Commercial property insurance protects your building and costly equipment.
Additional Coverages to Think About
Employment practices liability insurance protects you if an employee makes claims about discrimination, harassment, or wrongful termination. Umbrella insurance provides extra protection on top of your existing policies, offering additional peace of mind. Equipment breakdown insurance covers the cost of repairing or replacing vital dental tools if they fail unexpectedly.
What You Can Expect to Pay
Insurance costs vary based on many factors such as your specialty, location, coverage limits, and claims history. Specialists who handle complex dental procedures usually pay more. In Texas, dental malpractice insurance premiums can range from around $2,000 to $20,000 or more per year. Adding general liability, workers’ compensation, and cyber insurance will increase the total cost.
At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.
Rates
Finding the best rates for the coverage you need.
Education
Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.
Assets
Protecting the most valuable things you own.
Life
A partner who you can call on today, tomorrow, and the rest of your life.
Rollo Insurance Is Here to Help
Your patients depend on you for care, and you deserve insurance that protects your practice and reputation. At Rollo Insurance, we understand the unique risks Texas dentists face, and we are here to help you find the right insurance fit. Reach out today for a conversation and let us work together to keep your practice healthy for years to come.
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