Specialty Insurance Policies for Dentists

Sometimes, dentists need specialty insurance policies. At WDIA we understand the nuances of the dental profession and your needs for coverage. More information about frequently requested policies is available here. As always, if you have questions about any type of insurance coverage or rider policy, please get in touch.

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Life Insurance

WDIA works with dentists to provide term-life insurance policies. The purpose of term- life insurance is to provide for your loved ones if you no longer can.

We offer a number of policy options. Term-life insurance is usually purchased for a 10, 15, 20 or 30-year term of coverage. Your term-life insurance policy can be used to:

Pay off loans and mortgages.
Provide college funds for your children.
Business transfers and buy-outs.
Create an estate.

Employee Practices

Employment practices liability (EPL) coverage is a wise investment for most practice owners. It can cover attorney fees and other costs if you are accused of a libelous action.

Like all business owners, dentists are vulnerable to lawsuits brought by current and former employees, as well as patients. Some of the most common allegations are discrimination, harassment, wrongful termination, and allegations of patient molestation. When these allegations are brought, an investigation often ensues.

Having EPL coverage assures you access to qualified legal counsel and established resources if you need to defend yourself.

Surety Bonds

There are a few types of Surety Bonds to be aware of for your practice.

ERISA Bonds protect investments in your office pension plan. Your plan 401K administrator will let you know when and what amount of bond is required by law.

Employee Dishonesty Bonds protect you against fraud or theft committed by employees.

DMEPOS Medicare Bonds are required if your dental office is a Medicare Durable Medical Equipment, Prosthetics, Orthotics and Supplies supplier.

MedJet Assist

MedJet Assist is worthy of your consideration if you perform dental care missions, or just love adventure travel.

MedJet Assist is the premier air medical transport membership program for travelers. As a member of MedJet Assist, if you are hospitalized more than 150 miles from home, MedJet will transport you to a hospital of your choice.

MedJet Assist is a membership program you can access through your WDIA broker.

Cyber Security

As a broker, we have access to and can shop the market for the most highly rated cyber insurance policies for you. As insurance experts, we dig into the data, ask tough questions, and understand how to help you find policy options designed to best serve you.

Cyber security insurance covers you in situations of ransomware, cyber breaches, and physical breaches of your IT system. Cyber policies generally cover expenses associated with the notification of your patients, and business associates. Policies usually cover fines, penalties, and legal action associated with a security breach.