Dental practitioners in South Africa are open to various forms of losses including damage to dental equipment, theft and even money stolen while in transit.
Dental insurance policies for practitioners typically cover 5 areas:
Surgery Contents
The contents of consulting rooms usually contain computers, electronic equipment, precious metals like amalgam, drugs, narcotics, furniture and documents. Damage to or the loss of these items can be costly and should be covered by a decent dental insurance policy.
Cash
During business hours considerable amounts of cash are kept on the premises of dental practitioners. Insurance policies should cover this money while on the premises during business hours and in transit to the bank. Additional insurance can also be taken out to cover money kept on the premises after hours.
Liability
Liability cover should be taken to cover tenants, products, employees and visitors to the premises.
Business Interruption
Loss of income due to interruptions to normal business can be crippling and should be covered by dental insurance policies.
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