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Business Owners Insurance

A Business Owner’s Policy (BOP) combines business property and business liability insurance into one business insurance policy. A BOP covers your business from:

• Claims resulting from fire, theft, or other covered disasters
• Claims that could arise from your business operations, such as bodily injury or property damage
• Claims related to personal and advertising injuries
• Employee liability claims
• Loss of business income resulting from a covered loss

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Entity Malpractice Insurance

Entity Malpractice Insurance will protect your business, your staff, and your partners against malpractice claims. Without it, you may be held liable for a malpractice claim made against your dentists—even if they have their own malpractice insurance. You don’t want to have to pay for any malpractice claims out of your own pocket, and neither do we.

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Cyber Liability Insurance

Cyber insurance generally covers your business’ liability for a data breach involving sensitive customer information, such as social security numbers, credit card numbers, account numbers, driver’s license numbers, and health records. Besides legal fees and expenses, cyber insurance typically helps with:

• Notifying customers about a data breach
• Recovering compromised data
• Repairing damaged computer systems, business interruption loss, and payment card liability and costs

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ERISA Bonds

ERISA Bonds will protect your office pension plan from any financial losses due to fraud or dishonesty among an employee of your dental practice. Our team of specialists will work with you to determine when this bond is right for you (in accordance with state and/or federal law).

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Business Overhead Insurance

Business Overhead Insurance will cover certain business expenses if you suffer from an injury or illness and are unable to do so. Even if you are able to collect your own personal disability insurance, you will likely need assistance paying for the overhead expenses of your business, such as salaries, utilities, taxes, and rent. This coverage will help pay for those expenses (and others like them).

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Let’s insure your most valuable business asset:

your employees

Workers’ Compensation

Workers’ compensation provides medical expenses, lost wages, and rehabilitation costs to employees who are injured or become ill “in the course and scope” of their job. It also pays death benefits to families of employees who are killed on the job.

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NYS Disability Insurance (New York State Only)

New York State disability insurance provides temporary cash benefits to an eligible wage earner when he or she is disabled by an illness or injury that occurs off the clock or becomes disabled due to pregnancy. As a NY-based employer, you are required to provide disability benefits to all eligible employees.

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Paid Family Leave Insurance (New York State Only)

New York State’s Paid Family Leave provides New Yorkers with job-protected, paid leave so they can bond with a new child, care for a loved one with a serious health condition, or relieve family pressures when someone is called to active military service abroad. This coverage is funded and paid for by your employees through payroll deduction. Please be sure to discuss this with your payroll provider.

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Employee Benefits

Employee Benefit packages are a cost-effective way to keep your valuable employees healthy and happy. For more information, please visit our Employee Benefits page.

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Partnered with Fortress

We are partnered with Fortress Protection for Dentistry to provide powerful practice protection exclusively for dentists.

As the premier representative of the Fortress Insurance Company for dentists in the Upper Midwest for more than 20 years, Fortress Protection for Dentistry was founded by dentists and consistently receives high ratings from AM Best.

And since Fortress insures only dentists, your premiums are not inflated by risks incurred by other medical specialties.

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To learn more about Fortress, please click here.

Other resources include:

• Fortress Brochure
• Fortress Newsletter
• Insurance for your Practice 
• Personal Insurance

Partnered with OMSNIC

The OMS National Insurance Company (OMSNIC) provides comprehensive medical professional liability insurance coverage designed to protect the unique practice of oral and maxillofacial surgery.

OMSNIC is owned and operated by oral and maxillofacial surgeons and insures more than 80% of the specialty. We are proud to support their mission of protecting your practice, your reputation, and your future.

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To learn more about OMSIC, please click here.

Other resources include:

• Insurance for your Practice
• Personal Insurance

At Walsh Duffield, we can design an insurance program to protect what you’ve worked hard for and treasure most. Our clients trust that we’ll handle their personal insurance with the same interest and level of quality as their business insurance.

One agency. Countless success stories.

Do you want to manage your business and personal insurance policies under the same roof? Let’s do it. Insure all of your assets with the same agency at Walsh Duffield.