Medical & Dental Office Insurance

Yes, the terms are used interchangeably in the medical field. Professional Liability insurance is the formal name for coverage that protects healthcare professionals from claims of negligence, errors, and omissions related to patient care.

The requirements vary slightly by state. In **Alabama**, you must have coverage if you have 5 or more employees. In **Georgia**, the threshold is 3 or more employees. In **Tennessee**, it is 5 or more employees. It is crucial to comply with your specific state's law.

Yes, absolutely. You are still responsible for protecting patient data, even if it's stored with a cloud EHR provider. A Cyber Liability policy helps cover your costs from a breach, including HIPAA fines, legal fees, and patient notification, which are often not covered by your EHR vendor's insurance.

Working with an independent agent like TCDS is the best start. We shop your coverage with over 50 carriers. Additionally, implementing strong risk management protocols, maintaining detailed patient records, and participating in continuing medical education can lead to significant discounts on your premiums.

No, it does not. General Liability is for non-medical incidents, like a visitor slipping in your office. Claims arising from the professional services you provide (i.e., patient care and treatment) are specifically excluded and must be covered by a separate Professional Liability (Malpractice) policy.

A BOP is a great option for many medical and dental offices in Georgia, Tennessee, and Alabama. It bundles General Liability and Commercial Property insurance into a single, more affordable policy. It protects your physical assets—like your building, expensive medical equipment, and office furniture—from risks like fire, theft, or storm damage, which is particularly relevant given the risk of tornadoes and hail in the Southeast.

Typically, your policy can be structured to cover both the practice entity and employed professionals, such as nurses, physician assistants, and dental hygienists. It is crucial to ensure they are explicitly named or covered under your policy to avoid gaps in coverage. We can review your specific staffing situation in Alabama, Georgia, or Tennessee to ensure everyone is protected.