Business Owners Policy
Office, equipment and general liability — on one policy.
A dental office is a hybrid: part clinic, part small business, part high-tech lab. Our BOP program is written specifically for that reality so the moving parts — property, liability, equipment breakdown, interruption — all line up on one renewal date.
Overview
What this coverage does
We bundle building and business personal property with premises general liability, patient goods, and equipment breakdown on chair-side and imaging equipment. Business income covers your revenue if a covered loss shutters the practice — including expected fee schedule, not just historical.
Add-ons commonly bundled: cyber, EPLI, umbrella and hired-and-non-owned auto. Every renewal ships with a coverage summary you can hand to your accountant or practice manager.
Who this is for
- Single-location practice owners
- Multi-location groups needing a scheduled program
- Practices leasing space in a professional building
- Practices with in-house or attached labs
- New practice buyers financing equipment
What's included
Key features & endorsements
- Building coverage (owned or tenant improvements)
- Business personal property including operatory equipment
- Premises general liability with dental-specific classification
- Equipment breakdown for chairs, compressors, CBCT, autoclaves
- Business interruption at fee-schedule revenue, not historical
- Extra expense to relocate to a temporary operatory
- Employee dishonesty / crime coverage
- Signs, outdoor property and money & securities
- Utility service interruption and spoilage
- Cyber and EPLI available on the same policy
Related coverage
Round out the program
Ready for a real quote from a real dental broker?
Send us your dec pages and we'll return a side-by-side comparison from carriers who specialize in dentistry.