SERVICES
Insuring Your Success.
We understand the risks associated with the business of dentistry on all levels and how to employ insurance and proven risk management techniques to address those risks effectively and efficiently.
Malpractice Insurance
DSO Advantage offers a wide variety of malpractice coverages through many of the nation’s leading insurance carriers. We provide a coordinated approach to make certain your entities and associates are properly covered.
DSO Advantage offers a wide variety of malpractice coverages through many of the nation’s leading insurance carriers. We provide a coordinated approach to make certain your entities and associates are properly covered.
A common mistake made by a growing dental practice is allowing the associates to secure their own malpractice insurance. Many times, the associate’s malpractice coverage doesn’t adequately protect the practice itself and you really don’t know from day to day whether those polices are even in force or not. Furthermore, this can leave gaps in coverage between the practice and associate’s policies and presents legal challenges where two opposing law firms are defending one claim.
Group malpractice insurance is a creative alternative to your associates providing their own coverage. This policy is comprehensive in nature covering the management company, practice entities, associates, staff and even some risks that you haven’t even considered. Better yet, the cost for group coverage is typically less than the total cost of the individual coverage it’s replacing. The right group policy will scale with your practice no matter where you go or how fast you grow. Just reach out and we’ll show you how easy it is.
Workers’ Compensation
A growing practice can find it difficult to keep up with the changing exposure and costs associated with workers comp. We can design a policy that integrates with your payroll provider, so you’ll never worry about whether a location is covered or you’re under or overpaying and you’ll avoid a large year end audit.
A growing practice can find it difficult to keep up with the changing exposure and costs associated with workers comp. We can design a policy that integrates with your payroll provider, so you’ll never worry about whether a location is covered or you’re under or overpaying and you’ll avoid a large year end audit.
We can provide you with payroll service options from variety of payroll vendors many times at reduced rates. Workers comp that follows you as you grow and wherever you go is easy. DSO Advantage’s has unique wholesale pricing that most agents simply cannot compete against. Allow us to audit your coverage and provide you seamless workers comp coverage with unique pricing.
See Common Questions about Workers’ Compensation for DSOs/Group Practices »
Property and General Liability
Remember your first location. You bought a comprehensive insurance policy for that location that covered your owned property and the premises liability plus a bunch of other extra coverages.
Remember your first location. You bought a comprehensive insurance policy for that location that covered your owned property and the premises liability plus a bunch of other extra coverages. Duplicating that policy for each new location is not the way protect your growing practice. What works for one isolated practice is insufficient for a growing group practice, not to mention more expensive. We can show you a better way.
Data Breach & Cyber Liability
Protecting your patients HIPAA Information is so important! Your reputation as a professional is one of your most valuable assets. Not having a comprehensive Data Breach and Cyber Liability policy is one of your greatest vulnerabilities.
Protecting your patients HIPAA Information is so important! Your reputation as a professional is one of your most valuable assets. Not having a comprehensive Data Breach and Cyber Liability policy is one of your greatest vulnerabilities. It doesn’t matter how good your security is today, insuring for the possibility of a breach is necessary. Today’s policies not only provide liability protection when you need it, but they also include the costly response items dental professionals are required to provide in the event of a breach or suspected breach. Things like timely legal notices to patients, free credit monitoring services, a service center to field patient inquiries can all be very costly and can put you out of business if not handled properly. Learn more about our comprehensive policies.
Employment Practices Liability Insurance
When you were little, it was acceptable to include a small amount of EPLI coverage on your office policy. With EPLI claims on the rise, that’s no longer the case.
When you were little, it was acceptable to include a small amount of EPLI coverage on your office policy. With EPLI claims on the rise, that’s no longer the case. Commonly, EPLI is associated with claims of wrongful termination, hostile work environments, discrimination, and yes sexual harassment. Not having the right EPLI coverage can put your practice in harm’s way. Having a stand-alone EPLI policy is a must. Let us help.
Commercial Auto
When you were small, you used to let your office manager use your or their personally owned vehicle when running errands for the practice. As a large practice, the need for having specific vehicles titled in your practices name is the norm.
When you were small, you used to let your office manager use your or their personally owned vehicle when running errands for the practice. As a large practice, the need for having specific vehicles titled in your practices name is the norm. Vehicles titled in an entity need to be insured on a commercial policy and wrapped with your commercial umbrella coverage. Not following this simple protocol can be catastrophic. We’re here to help.
Umbrella Liability
Sometimes it rains…….hard! Sometimes when it does, the underlying insurance policies you have in place are just not enough. How much you can lose is often a function of how big you are.
Sometimes it rains…….hard! Sometimes when it does, the underlying insurance policies you have in place are just not enough. How much you can lose is often a function of how big you are. We can help you select a limit of coverage that’s right for you.
Directors & Officers Insurance
Did your practice seat a board of directors? Are they insured for the actions they take?
Did your practice seat a board of directors? Are they insured for the actions they take? It’s an exposure that a growing practice can overlook. We can explain your options.
Fiduciary Liability
You and your employees have a lot invested in your 401k. The standard ERISA bond required by the IRS is not insurance and provides no fiduciary protection.
You and your employees have a lot invested in your 401k. The standard ERISA bond required by the IRS is not insurance and provides no fiduciary protection. Neither does your employee benefits liability coverage but that is a common misconception. Don’t leave yourself unprotected from suits brought by unhappy participants. Talk to us.
Employee Benefits
One of the largest insurance expenses for any DSO is the cost of providing group health benefits to your employees.
One of the largest insurance expenses for any DSO is the cost of providing group health benefits to your employees. DSO Advantage offers self-insured, level-funded, and fully funded health plans from the nation’s leading health insurance carriers and TPAs.
Key Dentist Loss of Earnings Coverage
Does your DSO have key dentist who produce a large revenue stream? DSO Advantage has options to protect your key producers.
Does your DSO have key dentist who produce a large revenue stream? DSO Advantage has options to protect your key producers. Reach out to us today to learn more and Protect Your Revenue Streams.
HR, HCM & Payroll Services
DSO Advantage is proud to offer HR, Human Capital Management “HCM” and Payroll Services.
DSO Advantage is proud to offer HR, Human Capital Management “HCM” and Payroll Services. A comprehensive HR platform that provides a modern, one stop shop while helping HR efficacy and data centralization.
We can integrate Payroll Service with the nations leading workers compensation carriers, as well as your section 125 plan for health insurance pre-tax deductions.