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The Cincinnati Insurance Companies
Dentist Program
Products and Services to Protect Your Practice
cinfin.com
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Selecting the right company
Customize your insurance program with the professional
advice of your independent insurance agent who represents
Cincinnati. Our insurance program oers:
• Superior claims service provided by Cincinnati
professionals who typically live in or near
your community
• Loss control services and programs, helping you reduce or
avoid loss and plan ahead for a catastrophic event
• High nancial strength rating from A.M. Best Co.,
reecting our ability to pay claims and keep our promises.
Please visit cinn.com and view the Financial Strength
section for our latest ratings
• ree-year package policies with rates that won’t
increase during the term; available in most states for
many coverages
Your dental practice is your livelihood – you’ve worked to establish a solid
reputation in your community through your careful attention to your clients’ health.
Maintain your focus on your clients and your practice by allowing your independent
insurance agent and The Cincinnati Insurance Companies to create an insurance
plan to help protect all you’ve worked to build.
Features to keep you smiling
CinciPak
TM
Oces Program for dentists goes beyond
standard insurance policies by including earthquake and
ood as covered perils for your business personal property
and business interruption insurance coverages. No matter the
size of your practice, our exible program oers the coverage
options that your dentist oce needs.
Professional liability, when purchased, provides coverage on
an occurrence basis for professional services you performed
during the policy period, no matter how much time passes
before a claim is made.
General liability defends and pays covered liability claims
against you. If one of your patients falls on your premises,
your policy helps safeguard your business assets.
Hired and non-owned auto safeguards your business assets
should you need to hire or rent a vehicle or if your employees
use personal vehicles in your business.
What’s the dierence – occurrence
basis versus claims-made?
Cincinnati covers you on an occurrence basis versus
claims-made coverage. Why does this matter? Occurrence
coverage protects you against claims arising out of
professional services you perform during the term of your
policy – regardless of when the claim is made. If you
are transitioning from a claims-made policy, Cincinnati
can provide prior-acts coverage to give you protection
without gaps.
Your dental practice is your livelihood – you’ve worked to establish a solid
reputation in your community through your careful attention to your clients’
health. Maintain your focus on your clients and your practice by allowing your
independent insurance agent and The Cincinnati Insurance Companies to create
an insurance plan to help protect all you’ve worked to build.
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Exceptional professional liability
coverage you can rely on
At Cincinnati, we understand that your reputation and
business are vitally important to your continued success.
at’s why we:
• settle professional liability claims only with your written
consent (except in FL or MD)
• extend coverage to include your corporation or
partnership members against the acts or omissions
of others
• extend coverage to include employed and independent
contractor hygienists or dental assistants with separate
limits at no additional cost
• oer optional coverage for your temporary
substitute dentists
• give you an option to cover dentists taking State Dental
Board exams
• provide up to $25,000 of legal fees when you appear
before a state regulatory board
• reimburse you for up to $50,000 of legal fees used to
defend you in a civil suit alleging the improper disposal of
medical waste (except in NY)
• pay you up to $500 per day for loss of earnings if you
testify or appear in court, in defense of a covered claim, at
our request
Safeguard your oce and your
specialized equipment
With the CinciPak dental oce protection, you’ll receive
coverage for:
• improvements to leased oce space you occupy that are
made at your expense and that you cannot legally remove
• completed additions
• building glass
• outdoor xtures such as light poles and mailboxes
• permanently installed machinery, equipment, signs,
awnings and canopies
• oor coverings
Rely on us to provide the
coverages you need
Over time, your insurance needs change as your practice
changes. Cincinnati and your agent work with you and –
for an additional charge – can increase many of the special
coverages that are automatically included in your policy:
• business personal property and business income coverage
includes losses from water, backup of sewers, septic
systems or sump pumps
• theft of gold and silver used in your practice up to $2,500
• theft of money inside your oce or oce safe up
to $15,000
• money lost on the way to the bank or stolen from the
night depository up to $5,000
• employee theft up to $25,000
• accounts receivable on premises up to $100,000 or away
from your oce up to $25,000
• your business personal property against damage caused by
earthquake and ood
• property in transit or o premises up to $25,000
• valuable papers, including X-rays, on premises up to
$100,000 or away from your oce up to $25,000
• computer equipment and software up to $25,000
• building coverage extended up to $25,000 for cleanup
after water backup of sewers, drains, septic systems or
sump pumps
• valued daily loss of income up to $500 per day
(up to 30 days) including excess over the valued
daily loss for documented actual loss sustained
(up to 12 consecutive months)
• loss of business income due to a temporary halt of
o-premises communication, power and water supply
services (extending overhead transmission and distribution
lines) after the rst 24 hours when the suspension is
caused by direct physical loss to those services by a
covered cause of loss
 Your agent can customize your policy with higher coverage amounts.
 Available in most states.
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Additional coverage for
unexpected expenses
With the CinciPak dental oce coverage, you get exceptional
value for your money. If there is a covered loss to your
property, beyond simply repairing or replacing your damaged
property, your policy covers additional expenses:
• to remove leftover debris after a covered loss, you have up
to $25,000 of coverage
• to replace or remove damaged trees or shrubs, up to
$10,000, with a maximum of $1,000 per tree or shrub
• to repair or replace signs, up to $10,000
• to pay for re department service charges, up to $25,000
(except in AZ)
Unique, customized options
Sudden and accidental breakdown of your medical,
mechanical and electrical equipment can result in extensive
repairs, bringing your business to a grinding halt. You
can purchase equipment breakdown coverage to insure
your equipment.
CinciPak Medical/Dental Oce Property XC+ Endorsement
provides a valuable bundle of coverages for less cost than
purchasing each separately. is endorsement:
• provides a $150,000 blanket coverage limit above the
base limits for nine coverage features including accounts
receivable, electronic data processing property (equipment,
data and media), valuable papers and more
• increases business income and extra expense – interruption
of computer operations sublimit from $2,500 to $25,000
• increases the existing ination guard by 4% for all
building property referenced in your policy’s Declarations
page (not available in MD)
• amends the limitation for personal property theft from the
$2,500 limit to:
– $5,000 for jewelry, watches, watch movement, jewels,
pearls and precious and semi-precious stones. is limit
does not apply to jewelry and watches worth $500 or
less per item
– $25,000 for bullion, gold, silver, platinum and other
precious alloys or metals
• provides lessors leasehold interest for actual loss sustained
up to $25,000
• raises the nonowned building damage only for the cause
of loss of theft or attempted theft from $25,000 to:
– the business personal property limit of insurance for
loss caused by actual or attempted theft, burglary or
robbery
– $25,000 or the BPP limit, whichever is less, for all other
covered causes of loss
• increases ordinance or law – increased period of
restoration from $25,000 to $50,000
• includes ordinance or law – coverage for the cost to
demolish the undamaged part of the building included in
the building limit of insurance
• changes the outdoor property coverage from $10,000 to
$25,000
• provides up to $50,000 for loss to perishable stock inside
buildings that is due to a covered temperature change
• covers loss due to unauthorized credit, debit or charge
card use up to $5,000
CinciPak Medical or Dental Oce Commercial
Property Coverage Enhancement – With Utility Services
Enhancement adds a $2,500 utility services sublimit to the
CinciPak Medical or Dental Oce Commercial Property
Coverage Enhancement. is limit applies to direct physical
loss of covered property caused by the interruption of
communication or power supply services from the loss of
overhead transmission and distribution lines.
CinciPak Medical or Dental Oce Business Income
Amendatory Endorsement – With Utility Services
Enhancement adds a $2,500 utility services sublimit to the
CinciPak Medical or Dental Oce Business Income and
Extra Expense Amendatory Endorsement. is limit applies
to loss of business income and extra expenses incurred caused
by the interruption of communication or power supply
services due to loss of overhead transmission and distribution
lines. A 24-hour waiting period applies.
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Protect your financial stability
Our professional umbrella liability coverage helps
safeguard you and your business against catastrophic loss.
Given today’s legal environment, an additional layer of
protection further ensures your nancial well-being.
Employment practices liability insurance2 oers protection
from suits brought against you by employees because of your
hiring, ring, promoting or other employment decisions.
CinciPak Commercial General Liability Broadened
Endorsement expands liability coverage for newly acquired
organizations, adds employee benets liability coverage
and adds limited automatic additional insured status for
specied relationships. You receive all this and more with one
convenient endorsement for one consolidated premium.
Life insurance provides income replacement and retirement
planning opportunities. Your agent and Cincinnati can
help you:
• fund a plan to continue your business if you
become disabled
• protect your family and ensure your estate’s liquidity
• fund a nonqualied retirement plan
Your established practice may qualify for CFC Investment
Company’s equipment leasing and nancing.
Your independent agent recommending Cincinnati can
provide more details about CinciPak and the services that
come with it.
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Understanding Business
Personal Property Limits
Protect all you’ve worked for
For many business owners, the only thing
worse than enduring a dicult property loss is
discovering that they are underinsured and unable
to restore operations. Protect the practice you’ve
built by ensuring you have adequate business
personal property limits in place to restore your
practice in the event of a loss.
A rule of thumb is $70,000 per operatory – a dental chair
in a separate exam room – plus the replacement value of
any equipment not ordinarily in every oce. For example,
if you have four operatories and a CAD/CAM machine that
costs $130,000, you may need a minimum BPP limit of
$410,000 to restore operations.
$70,000 per operatory x 4 = $280,000 + $130,000
CAD/CAM = $410,000 total BPP
Re-evaluate your limits today
As your business changes and grows, so do your insurance
needs. at’s why there’s no time like the present to
re-evaluate your entire insurance program to be certain that
if the unexpected happens, you’ve got appropriate resources
in place to get back to business.
Cyber Risk Protection
Data breaches and computer attacks pose a growing
threat to businesses of all sizes and types, including
dental practices. And, as a successful business
owner in your community, your visibility can make
your practice appealing to bad actors. Consider
Cincinnati’s cyber risk protection. Whether your
business suers a computer attack, network security
or data breach, or you are a victim of identity
theft, Cincinnati oers a variety of coverages
that can help you recover. For more information,
coverage availability in your state, quotes or policy
service, please contact your independent agent
recommending coverage.
How much is enough?
Many of your investments immediately come to mind when
you consider what you should include in your BPP limits:
• furniture
• carpet
• desks
• instruments
• chairs
• operatory equipment
• X-ray machines
• cone beam radiography machines
• CAD/CAM devices
However, an additional expense you may not have
considered is what it will cost to retrot a building for use
as a dental oce, such as installation of special plumbing or
electrical systems.
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Ready to learn more about your
coverage options with Cincinnati?
Visit cinn.com and enter your ZIP code into the Find an Agency search
eld to nd independent agencies near you.
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cinfin.com
This is not a policy. For information, coverage availability in your state, quotes or policy service, please contact your
local independent agent recommending coverage “The Cincinnati Insurance Companies”, “Cincinnati Insurance”
and “Cincinnati” refer to member companies of the insurer group providing property and casualty coverages through
The Cincinnati Insurance Company or one of its wholly owned subsidiaries – The Cincinnati Indemnity Company or
The Cincinnati Casualty Company – and life and annuities through The Cincinnati Life Insurance Company. Each
insurer has sole nancial responsibility for its own products. Not all subsidiaries operate in all states. Financial data,
ratings and rankings apply to The Cincinnati Insurance Companies standard marketing property casualty insurance
group. Best’s ratings are under continuous review and subject to change and/or afrmation. To conrm the current
rating, please visit www.ambest.com. © 2019 The Cincinnati Insurance Company. 6200 S. Gilmore Road, Faireld,
OH 45014-5141.
Adv. 1527 (7/19)