INDUSTRIES · DENTAL + VETERINARY GROUPS
One program for every practice you add.
Dental and veterinary groups growing by acquisition: professional, comp, and benefits that scale practice by practice.
PHOTO PLACEHOLDERB+W, DUOTONE · DENTAL + VETERINARY GROUPS
THE DENTAL + VETERINARY GROUPS STACK
What companies like yours usually carry.
E&O / professionalProfessional liability for clinical and surgical care$1M / $3MREQUIREDWorkers' compAnimal bites, needlesticks, and repetitive strainStatutoryREQUIREDBOP / general liabilityEquipment-heavy practice property and liability$1M / $2MREQUIREDMedical, dental, visionBenefits to recruit hygienists, techs, and doctors—RECOMMENDEDCyber liabilityPatient and client records$1MRECOMMENDEDEmployment practicesEmployment claims across many practices$1MRECOMMENDED
- 01Add a practice in daysNew locations join the existing program at the next payroll.
- 02One benefits planConsistent plans across every acquired practice.
- 03Equipment coverageImaging, lasers, and surgical equipment insured at replacement cost.
TOP RISKS WE PLAN FOR
- 01Professional liability. Clinical and surgical procedures need malpractice coverage.
- 02Equipment values. Imaging and surgical equipment should be insured at replacement cost.
- 03Growth by acquisition. Each new practice needs coverage from day one.
DENTAL + VETERINARY GROUPS QUESTIONS
- How fast can a new practice be added?
- Usually at the next payroll, without a new application.
- Can every practice share one benefits plan?
- Yes, with consistent plans across locations.
YOUR PROGRAM AT A GLANCE
Every line a dental + veterinary groups company typically needs, on one application.
FINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your servicesWORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollPROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyEMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriersFINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liabilityWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claims
HOW IT WORKS FOR DENTAL + VETERINARY GROUPS
- 01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
- 02Market to carriers. We submit to carriers that actively write dental + veterinary groups risks.
- 03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
- 04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.
WHAT WE'LL NEED TO QUOTE YOU
APPLICATIONS
- ACORD 125
- Carrier supplement
- ACORD 130
- ACORD 126
- ACORD 140
- Employee census + group application
DOCUMENTS
- Description of services
- Sample client contract
- Prior claims, if any
- Payroll by class code (from payroll)
- Loss runs, 3–5 years
- Current policy declarations
- Experience mod worksheet
- Revenue and operations description
AFTER YOU BUY
- Certificates on demandIssue COIs with additional insureds from your dashboard.
- Claims advocacyYour advisor works the claim with the carrier.
- Audits without surprisesPayroll-based premiums reconcile as you go.
- Renewal planningOptions on the table 60 days before renewal.
WORTH CONSIDERING
EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and driversPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liabilityFINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claims
- $35+ BillionPAYROLL AND TAXES PAID
- 23+ MillionACH TRANSACTIONS
- 4.3+ MillionW-2S / 1099S PROCESSED
- 2.8+ MillionEMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
