A BOP packages commercial property and general liability. Property covers your building (if you own it), improvements you’ve made to leased space, furniture, computers, supplies, and equipment against covered causes of loss such as fire, theft, and water damage. General liability responds to premises claims — for example a visitor injured in your waiting room or parking lot. Many BOPs can also add business income, equipment breakdown, and employee dishonesty.

Usually your contents, dental equipment, and the tenant improvements you paid for (operatory plumbing, cabinetry, flooring, built-ins), plus liability. Your lease will often spell out required liability limits, who insures the improvements, and whether the landlord must be named as an additional insured — send it to us and we’ll match it.

It covers sudden mechanical or electrical breakdown — think a fried circuit board in a chair or delivery unit, a failed autoclave, compressor, vacuum system, X-ray or CBCT unit, or HVAC. Depending on the form it can include repair or replacement, expediting costs, spoilage of temperature-sensitive materials, and lost income while you’re down. It does not cover normal wear and tear or lack of maintenance.

Business income coverage helps replace lost net income and pay continuing expenses like payroll and rent while you recover from a covered loss. Extra expense helps with the added costs of staying open — for example temporary space or rented equipment. Off-premises power interruption and waiting periods vary by policy, so we review those details with you.

On the business side, specialty practices often carry more and pricier equipment — CBCT, surgical suites, lasers, monitoring and emergency equipment, implant inventory — so property, equipment-breakdown, and business-income limits usually need to be higher. Practices that offer sedation should make sure refrigerated drugs and supplies are considered for spoilage coverage. Tell us what you do on the form and we’ll size limits to match.

Compliance lowers your risk but doesn’t pay for an incident. If patient data is exposed — through ransomware, a phishing email, or a lost laptop — the HIPAA Breach Notification Rule and Pennsylvania’s breach notification law can require notices to patients and others. Cyber insurance can help with forensics, legal guidance, notifications, credit monitoring, ransomware response, and income lost while systems are down. Coverage varies widely by carrier.

Generally yes — Pennsylvania requires most employers with employees, even part-time, to carry workers’ compensation. Dental offices are typically classified under PCRB code 957. Workers’ comp responds to work-related injuries and illnesses, which in a dental office can include sharps and needlestick injuries, back and repetitive-strain injuries, and slips. Some owners and corporate officers may be able to exclude themselves — we’ll walk you through it.

Employment practices liability insurance covers defense and settlements when an employee or job applicant alleges wrongful termination, discrimination, harassment, retaliation, or similar claims. Small offices with close-knit teams still face these claims, and defense costs alone can be significant.

Yes — employee dishonesty (crime) coverage helps protect against theft of money, securities, or property by employees, such as skimming patient payments or diverting insurance checks. Some BOPs include a small limit; a separate crime policy can provide higher limits and additional coverages like forgery or funds-transfer fraud.

An umbrella adds liability limits above your general liability, commercial auto, and employer’s liability. It’s worth considering if you own your building, have a busy multi-location practice, have staff driving for the practice, or your lease or lender requires higher limits.

Usually, yes. Most carriers can schedule multiple locations on one BOP or package policy with limits set for each address, and workers’ comp can cover all of your Pennsylvania locations. The quote form lets you list each additional location.

No. Looker Wolfe & Gephart writes coverage for Pennsylvania risks only. If your practice is in PA, we’d be glad to help.

Your practice type and procedures, staff counts, annual revenue and payroll, whether you own or lease, estimated values for contents and dental equipment, any additional locations, your current business insurance carrier and expiration date, and any recent claims. The form below walks you through it — estimates are fine.