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Dental Practice Insurance

With nearly one million people employed and an industry revenue of over $125 billion in the United States, dentistry is a big business—but it's also a vulnerable one, because a single slip of the hand could cause damage that's not easily fixed. As a dentist, you're susceptible to issues like leaks of patient information, forgetting to properly update the patient's medical history, failing to adhere to standards of care when you're rushed, and failure to detect diseases when they first occur.

Dental practice insurance can help protect your practice from the high costs of malpractice suits and regulatory fines. In addition to the basic coverage that every dentist should have, consider the following and whether or not you might need extra coverage:

  • Do you substitute for other Dentists? Most policies only cover one dentist at one location. If you perform work outside your normal office, you'll need to be sure your policy covers you at that location.
  • Have you incorporated? Many dental practices incorporate after several years of operation, but don't realize they need to be insured using a corporate malpractice policy. If a lawsuit occurs, these practices often have no coverage when they thought they had enough, leaving them to pay all costs out of their own pocket.
  • Do you perform high risk procedures? Some elements of dentistry—such as implants—are considered riskier than normal operations and require correspondingly higher coverage.

Dental Equipment Coverage

Equipment is the heart of the modern dental industry—and we know how expensive your tools and diagnostic machines can be. Equipment coverage provides an added layer of protection in case the supplies you've purchased fail or do not live up to the claims of the manufacturer.

New products enter the market on a regular basis, so consider talking to one of our agents whenever you purchase something you haven't used before. We'll help perform a risk assessment and determine whether or not you need additional coverage before you start using the equipment on patients.

Commercial Property Insurance

Commercial property policies are one of the most important elements of dental practice insurance. Falling trees, fires, and water damage are all potential threats to the place you work, and any of these could quickly destroy tens of thousands of dollars in equipment. Whether you're facing a minor interruption or a major loss, making sure your property is insured is of critical importance to any business owner, so call Fitts Agency, Inc. today to discuss covering your dental practice.

 

1. "Dentists in the US: Market Research Report." Dentists in the US Market Research. Accessed April 11, 2016. http://www.ibisworld.com/industry/default.aspx?indid=1557.

2. Abel, Martin G., DDS. "The Real Cost of Dentistry." Dental Economics. Accessed April 11, 2016. http://www.dentaleconomics.com/articles/print/volume-96/issue-9/features/the-real-cost-of-dentistry.html.

Our Locations

Fitts Agency, Inc.

1806 6th Street
Tuscaloosa, AL 35401
Main office: 205-881-2556
Fax: 205-342-3467

Merchants & Farmers

301 Prairie Ave
Eutaw, AL 35462
Main office: 205-686-6279
Fax: 205-372-0852

Our Providers

Testimonials

The Fitts Agency, Inc. has been taking care of my personal and professional insurance needs for over 25 years. They have done an exceptional job to insure we are properly covered with all aspects of our complicated business insurance needs including property, automobile and equipment, bonding, life insurance, liability and specialty insurance. Their professional service follows through the claim process as well, demonstrated by the spring 2011 Tuscaloosa tornadoes and the damage we received from same. With their extensive help, excellent support staff and prompt response, we were able to get back in business with minimal wasted time. I highly recommend the Fitts Agency, Inc. for your insurance needs.

Thomas D. Jamison - President, J & P Construction Co., Inc.
We are writing this letter to document the performance of the Fitts Agency, Inc. Fitts Agency has been very instrumental in providing for all our business insurance needs. Since 2007, they have seen to our General Liability, Workman's compensation, Auto, Builder's Risk, Professional Liability and Umbrella policies. Their service is excellent; quick and accurate, and always with a friendly, helpful attitude.

Christopher L. Swain - VP Operations, Monumental Contracting Service, LLC
It's so refreshing to have an insurance agency that actually cares about their clients. I was with a "national brand" company for many years and never knew that I could have other great choices for my home and automobile insurance. These folks are great and I would recommend them to anyone wanting great rates and service.

Maggie Miller - Tuscaloosa, AL
Before the sun set on April 27 (after the devastating tornado), Forrest Fitts had a team on our roof surveying the damage. Two days later the debris was completely gone, the sheet rock was replaced - even the landscaping was repaired.

Mark and Liz Obradovich - Owners of Tuscaloosa Holiday Inn Express & Suites
When the April 27th tornado struck my business, the Fitts Agency made sure we were covered. Thank you Tim Donahue and your top-notch staff for doing just that. I could not think of a better team than the Fitts Agency, Watkins Construction Co., Inc. and FCCI Insurance to assist Spiller Furniture with disaster recovery.

Shane Spiller
We favor the Fitts Agency and any of their competitors would truly have an uphill battle to overcome prior to us ever making any notable changes. Specifically to the fact that although we will price multiple sources, we have learned that Tim and his team have been the most helpful and in the long run, equally competitive with anyone we have considered in the past 25+ years.

Mark Rettig - Vice President, AHR Metals, Inc.
Nobody could have taken care of me better than the Fitts Agency after the storm. I've been with the Fitts Agency for over twenty years - home, autos, and my business before I retired. I would never go anywhere else for my insurance.

Ernest Woodruff - Tuscaloosa, AL