Industries

Business Owners Policy (BOP) for Dental Practices and DSOs

Dental practices and Dental Service Organizations (DSOs) face unique risks that can disrupt operations or lead to financial setbacks. A Business Owner’s Policy (BOP) tailored for both dental practices and DSOs offers essential protection to keep your business operational even when unexpected events occur. By having the right coverage in place, you can focus on delivering excellent patient care, knowing your practice is safeguarded.

Comprehensive protection for dental practices and DSOs

Every dental practice location you occupy should have adequate coverage to prevent financial loss. A BOP provides essential insurance to protect your office(s), ensuring your practice or organization remains operational even during unplanned disruptions.

With this peace of mind, you can dedicate your efforts to providing outstanding care and growing your business. Request a complimentary risk assessment today!

What does a business owner’s policy cover?

A BOP can be written in various ways, and the specific coverage will depend on the language of your policy. It may include protection for property, equipment, third-party liability, and even business interruption. This comprehensive approach ensures that all aspects of your practice or DSO are shielded from common risks.

Property insurance

A BOP typically includes a property limit that insures your building, leasehold improvements, furniture, equipment, and supplies against perils such as fire, theft, windstorms, water, vandalism, and more. Securing this coverage for every business location you occupy is essential for minimizing financial loss and ensuring operational continuity.

General liability insurance

This coverage safeguards against third-party claims, including accidents, property damage, and injuries sustained by non-employees at your office. It also provides support for legal defense and medical expenses if a claim is filed. This layer of protection is critical for maintaining trust and professionalism within your practice.

Business interruption insurance

If your practice or DSO must close temporarily due to a covered event like flooding or fire, this coverage reimburses lost income and helps cover essential expenses such as rent, payroll, and utilities. This ensures that operations can resume with minimal disruption.

Cyber liability insurance (highly recommended)

Given the increasing reliance on digital tools and sensitive patient data, cyber liability coverage has become a critical component of a modern BOP. It protects your practice or DSO from risks like data breaches or HIPAA violations, covering associated recovery costs and legal actions.

Common mistakes to avoid

To ensure your practice or organization has the best protection, avoid these common pitfalls when reviewing coverage options:

Underestimating business interruption coverage

Protecting revenue is just as vital as insuring physical assets. Lost income during closures can significantly impact your financial stability.

Overlooking cyber risks

Both dental practices and DSOs handle highly sensitive patient data, making cyber liability coverage an essential part of today's insurance plans.

Failing to update coverage

Expanding your practice, adding new locations, or investing in specialized equipment? Your coverage should evolve alongside the growth of your operations to ensure comprehensive protection.

Protect your practice or DSO with confidence

A Business Owner’s Policy is more than just a safety net; it’s a critical component of a risk management strategy tailored to dental practices and DSOs. An experienced insurance partner can help ensure your coverage adapts to your organization’s changing needs, giving you the freedom to focus on what matters most—outstanding patient care.

Why choose Risk Strategies?

Risk Strategies offers unparalleled expertise and tailored insurance solutions designed to meet the unique needs of dental practices and Dental Service Organizations (DSOs). By partnering with us, you gain the confidence and support needed to protect your operations effectively.

Decades of expertise in healthcare and dental risk management, providing a deep understanding of your challenges and how to address them.
Custom-tailored insurance solutions specifically created for DSOs and multi-location practices, offering protection that fits your business—not a one-size-fits-all policy.
Strategic, data-driven risk assessments focused on delivering comprehensive and cost-efficient coverage, so you get the right protection without overpaying.
Proactive loss control measures that help reduce claims, minimize disruptions, and keep your operations running smoothly.
Trusted by leading dental professionals nationwide, reflecting our proven ability to safeguard practices and DSOs alike.

Choose Risk Strategies as your dedicated partner in risk management. Schedule a free consultation today to create a customized strategy that protects your organization and lets you focus on providing excellent patient care with confidence.

Practice Leaders

Dental Practice Leader

Vice President | Team Lead

Vice President | Business Development

[BlogPost 184930312008 Why Personal Disability Insurance for Dentists is an Important Policy, BlogPost 182208087915 Dental Malpractice Insurance: Claims-Made vs. Occurrence?]

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$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Required for dealers selling new vehicles in Arkansas.}'}, {id=188601390656, createdAt=1744198475081, updatedAt=1744198475081, 1='{type=string, value=New Motorcycle, ATV, Scooter, Utility Vehicle or Lessor Bond}', 2='{type=string, value=$25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for dealers selling new motorcycles, ATVs, scooters, utility vehicles, or acting as lessors.}'}, {id=188601390657, createdAt=1744198475082, updatedAt=1744198475082, 1='{type=string, value=North Little Rock Contractor Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for contractors applying for commercial building permits in North Little Rock.}'}, {id=188601390658, createdAt=1744198475083, updatedAt=1744198475083, 1='{type=string, value=Notary Bond}', 2='{type=string, value=$7,500}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for individuals who authenticate signatures and administer oaths.}'}, {id=188601390659, createdAt=1744198475084, updatedAt=1744198475084, 1='{type=string, value=Open-Cut Land Reclamation Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with land reclamation regulations for open-cut mining operations.}'}, {id=188601390660, createdAt=1744198475085, updatedAt=1744198475085, 1='{type=string, value=Oversize and Overweight Hauling Permit Bond}', 2='{type=string, value=$1,000 - $10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for entities transporting oversize or overweight loads to ensure adherence to permit conditions.}'}, {id=188601390661, createdAt=1744198475086, updatedAt=1744198475086, 1='{type=string, value=Paid Solicitor Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$150}', 7='{type=string, value=Necessary for paid solicitors to guarantee ethical fundraising practices.}'}, {id=188601390662, createdAt=1744198475087, updatedAt=1744198475087, 1='{type=string, value=Payment Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure contractors pay subcontractors and suppliers, especially on public property projects.}'}, {id=188601390663, createdAt=1744198475088, updatedAt=1744198475088, 1='{type=string, value=Performance Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantee completion of contractual obligations, particularly in large public construction projects.}'}, {id=188601390664, createdAt=1744198475089, updatedAt=1744198475089, 1='{type=string, value=Perpetual Care Cemetery Fidelity Bond}', 2='{type=string, value=$1,000 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures proper management of funds for perpetual care cemeteries.}'}, {id=188601390665, createdAt=1744198475090, updatedAt=1744198475090, 1='{type=string, value=Private Career Education School Bond}', 2='{type=string, value=$5,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$37}', 7='{type=string, value=Required for private career education schools to ensure compliance with state regulations.}'}, {id=188601390666, createdAt=1744198475091, updatedAt=1744198475091, 1='{type=string, value=Private Employment Agency Bond}', 2='{type=string, value=$5,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Ensures private employment agencies adhere to state laws and protect clients.}'}, {id=188601390667, createdAt=1744198475092, updatedAt=1744198475092, 1='{type=string, value=Probate & Estate Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for fiduciaries and estate administrators to ensure fulfillment of legal duties.}'}, {id=188601390668, createdAt=1744198475093, updatedAt=1744198475093, 1='{type=string, value=Process Server Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for individuals serving legal documents to ensure ethical conduct.}'}, {id=188601390669, createdAt=1744198475094, updatedAt=1744198475094, 1='{type=string, value=Professional Employer Organization Bond}', 2='{type=string, value=$100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$1,000}', 7='{type=string, value=Required for organizations providing employee leasing services to ensure compliance with regulations.}'}, {id=188601390670, createdAt=1744198475095, updatedAt=1744198475095, 1='{type=string, value=Public Official Bonds}', 2='{type=string, value=$1,000 - $2,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure public officials perform their duties ethically and in accordance with the law.}'}, {id=188601390671, createdAt=1744198475096, updatedAt=1744198475096, 1='{type=string, value=Residential Roofing Contractor Bond}', 2='{type=string, value=$15,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for roofing contractors undertaking projects over $2,000 to ensure compliance with standards.}'}, {id=188601390672, createdAt=1744198475097, updatedAt=1744198475097, 1='{type=string, value=Right of Way Bonds}', 2='{type=string, value=$1,000 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary before performing construction work on publicly owned right of ways.}'}, {id=188601390673, createdAt=1744198475098, updatedAt=1744198475098, 1='{type=string, value=Scholarship Uniform Lottery Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for entities selling lottery tickets or using lottery equipment to ensure proper fund management.}'}, {id=188601390674, createdAt=1744198475099, updatedAt=1744198475099, 1='{type=string, value=State Highway and Transportation Department Contract Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures contractors fulfill obligations on state highway and transportation projects.}'}, {id=188601390675, createdAt=1744198475100, updatedAt=1744198475100, 1='{type=string, value=Subdivision Bonds}', 2='{type=string, value=$1,000 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required before initiating construction in subdivisions to ensure completion of public infrastructure.}'}, {id=188601390676, createdAt=1744198475101, updatedAt=1744198475101, 1='{type=string, value=Summer Food Service Program Bond}', 2='{type=string, value=$1,000 - $200,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with regulations for providers of summer food services to children.}'}, {id=188601390677, createdAt=1744198475102, updatedAt=1744198475102, 1='{type=string, value=Supply Bond}', 2='{type=string, value=$1,000 - $25,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantees suppliers fulfill contracts to provide materials or supplies.}'}, {id=188601390678, createdAt=1744198475103, updatedAt=1744198475103, 1='{type=string, value=Surplus Lines Insurance Broker/Producer Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for brokers dealing with surplus lines insurance to ensure compliance with state laws.}'}, {id=188601390679, createdAt=1744198475104, updatedAt=1744198475104, 1='{type=string, value=Third Party Administrator Bond}', 2='{type=string, value=$25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Ensures third-party administrators manage funds and claims in accordance with regulations.}'}, {id=188601390680, createdAt=1744198475105, updatedAt=1744198475105, 1='{type=string, value=Towing and Recovery Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for towing and recovery operators to ensure ethical business practices.}'}, {id=188601390681, createdAt=1744198475106, updatedAt=1744198475106, 1='{type=string, value=TTB Tobacco Bonds}', 2='{type=string, value=$100 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for businesses manufacturing or exporting tobacco products to ensure tax compliance.}'}, {id=188601390682, createdAt=1744198475107, updatedAt=1744198475107, 1='{type=string, value=Used Tire Transporter Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for transporters of used tires to ensure proper disposal and environmental compliance.}'}, {id=188601390683, createdAt=1744198475108, updatedAt=1744198475108, 1='{type=string, value=USTOA Indemnity Bonds}', 2='{type=string, value=$1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for active members of the USTOA $1 Million Travelers Assistance Program to protect consumers.}'}, {id=188601390684, createdAt=1744198475109, updatedAt=1744198475109, 1='{type=string, value=Utility Bond}', 2='{type=string, value=$100 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$40}', 7='{type=string, value=Required by utility companies to ensure timely payment of utility bills by customers.}'}]

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specify
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Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.

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