https://www.tdicinsurance.com/covid19

Generally most professional liability policies would provide coverage if a dentist treated a patient, who then accused the dentist of inappropriately exposing them to, and they ultimately contracted COVID-19. An example would be if the practice did not use the accepted standard to sanitize the office for COVID-19 before treating a patient. Some carriers have taken the position that if a doctor works outside of their local government’s mandate for what is considered emergent care, the professional liability policy will not apply if a malpractice claim is filed, however, this is not TDIC's position. 

With regards to business owners policies, generally property policies require direct physical loss or physical damage to property by a covered peril in order to cover a loss of income claim.  In addition, property policies often have a virus/bacteria exclusion. Unfortunately, office closures, even based on advice or a request from your state association or the government, would likely not qualify as a covered claim under your property policy for the reasons noted above. 

https://idahosif.org/covid-19-coronavirus-information-and-links/

 

If you have any questions or other concern please call Mike Darrow at 208-371-3052

With several limits to choose from starting at $1MM/$5MM, this claims made policy is designed to provide you with comprehensive liability coverage for the professional services you provide your patients. ​TDIC offers several policy discounts including: Idaho State Dental Association membership, claims-free history, and risk management continuing education.

​TDIC's Office Package Policy covers property, general liability and financial risks associated with your dental practice. This comprehensive, replacement value policy offers protection for your building, your dental office and contents in the event of a loss. Coverage also includes:

• Business Income
• Extra Expense
• Employee Dishonesty
• Valuable Papers
• Accounts Receivables
• ERISA
  
  

​TDIC can also assist you with Workers Compensation coverage*.
*not underwritten by ​TDIC

Long Term Care covers custodial care costs for people who have illnesses or disabilities and need help with daily activities. Long Term Care insurance can cover:

• Care in your home, day facilities, assisted living and nursing homes
• Specific periods of time with a specific benefit amount

Pays benefits when you are unable to work due to illness or injury. Coverage includes:

• Own-occupation contract
• Benefit period up to age 65, 67, or lifetime available

Life Insurance can be used for a number of strategic business purposes CO leverage your dollar, including:

• Providing for your family
• Creating an estate
• College fund
• Funding business transfers and buy-outs
• Pay off loans and mortgages

IDIA can provide Individual Medical insurance for an individual or a family. Individual Medical is an excellent alternative for offices without a group plan or if an employee does not qualify to be on your group plan.

IDIA provides Group Medical insurance from several leading insurance companies.

• Must have two or more people on the plan
• Group plans for Life and Disability insurance available

A health savings account (HSA) is an interest-hearing checking account, savings account, or investment account established exclusively to pay die medical expenses of the account owner, spouse or dependents. Health insurance coverage must be provided under a qualifying high-deductible health plan. HSA Plans can be individual plans or group medical plans.