FAQs

The state does not mandate it, but contracts, affiliations, or lenders may require it, so most practices carry it.

Often it is worth carrying. Dental records are protected under HIPAA and CMIA, and a breach can bring notification duties and expense.

It depends on the limits and valuation. Dental equipment is costly to replace, so we review whether your property coverage reflects current replacement values.

Yes, once you have any employee in California, part-time included. There is no headcount threshold and no exemption for a single part-time hire. Practice owners themselves are treated differently, ...

Usually not. Injury tied to treatment generally falls under professional liability, while general liability tends to respond to non-treatment incidents like a slip-and-fall.

Often it is worth considering. Even a small practice holds patient records subject to HIPAA and CMIA, and a breach can be costly regardless of size. ...

It is California’s Medical Injury Compensation Reform Act, which caps noneconomic damages in medical malpractice cases. Assembly Bill 35, effective in 2023, replaced the old $250,000 cap with amounts ...

Typically yes. Professional liability responds to claims arising from patient treatment, which is usually the core exposure for a chiropractic practice.

Practices hold sensitive patient records subject to HIPAA and CMIA. A breach can trigger notification duties and costs, which cyber coverage is designed to help address. ...

Usually not. Malpractice, property, cyber, and workers’ comp are typically separate coverages that we coordinate into one program.