Business Owners Insurance 

Request a Quote

Hartford's dividend feature gives you the potential to save on your Business Owner's Policy (BOP) and Workers' Compensation (WC).

If the claims' experience for the group of dentists insured by The Hartford through the Dentist's Advantage program is favorable, you may receive a portion of your premium returned to you in the form of a dividend.

This dividend feature applies both to BOP and WC. Dividends are not guaranteed.

Business Owner's Policy
Underwritten by The Hartford

The following is a general overview of the BOP coverage available through Dentist's Advantage.

To receive a rate quote, call 1-800-448-0558.

When requesting a quote you must select the following:

  • Building Coverage Limit (if you own your building)
  • Business Personal Property Amount Fine Arts
  • Deductible
  • Liability Limit

The BOP automatically includes the remaining package coverages at no additional charge.


Property Coverage:

Building - Standard Form (Named Peril) or Special Form (All Risk) Your building amount
Business Personal Property Your contents amount
Property Deductible $250, $500 or $1,000
Business Income & Extra Expense Actual loss sustained - 12 months
Appurtenant Structures $50,000
Accounts Receivable $25,000
Money & Securities-Inside Premises $10,000
Money & Securities-Outside Premises $5,000
Valuable Papers $25,000
Ordinance or Law Coverage $25,000
Fire Department Service Charge $25,000
Newly Acquired Building $500,000
Personal Property at Newly Acquired Building $250,000
Tenant's Glass $25,000
Identity Recovery $15,000
Equipment Breakdown Included
Terrorism Included

Liability Coverage:

Premises Liability (BI/PD single limit) $1,000,000 or $2,000,000
Products/Completed Operations (BI/PD single limit) $1,000,000 or $2,000,000
Personal and Advertising Injury $1,000,000 or $2,000,000
Damage to Premises Rented to You $1,000,000
Medical Expenses $10,000
Legal Expenses for Court or Review Boards $5,000
Hired & Non-Owned Auto $Optional

Healthcare Providers Endorsement (Optional):
(This is only a brief overview of the coverages provided by this endorsement.)

Blanket Coverage Limit can be used for: - Medical Supplies
- Spoilage-Perishable Medicines & Supplies
- Accounts Receivable
- Computers & Media
- Valuable Papers & Records
Brands & Labels Up to Business Personal Property limit
Claims Expense $10,000
Computer Fraud $5,000
Employee Dishonesty $25,000
Forgery $25,000
Fine Arts $25,000
Outdoor Signs Full value
Salesperson's Samples $5,000
Sump Pump Overflow or Failure $50,000
Sewer & Drain Back Up Up to Business Personal Property limit
Personal Effects $25,000

Receive a 5% package discount when you place both your Business Owner's Policy and Workers' Compensation through Dentist's Advantage.

Workers' Compensation
Underwritten by The Hartford

Workers' Compensation coverage is governed by your state's Workers' Compensation laws. In general, it provides:

  • Medical Coverage: pays for employee work-related accidents, injuries or illnesses
  • Wage Loss Benefits: pays for employee work-related accidents, injuries or illnesses
  • Employers Liability: protects you from lawsuits made by your employees for work-related accidents, injuries or illnesses

To request a quote today, contact us toll-free at 1-800-448-0558.

Dentist's Advantage Commercial Services
1100 Virginia Drive, Suite 250
Fort Washington, PA  19034
Phone: 1-800-448-0558
Fax: 1-800-567-4028

Questions about Business Insurance Products? Find answers here!

Coverage availability may vary by state.