What’s covered:

• Why CFS’s salaried (not commission-based) model changes the advice you actually get
• The big three every new dentist needs: malpractice, life, and disability insurance — and when (or if) you actually need them
• Occurrence vs. claims-made malpractice policies, and the “tail coverage” trap that can leave you exposed after leaving a job
• How vicarious liability hits multi-doc practices, and why associates’ coverage matters to owners too
• Term vs. permanent life insurance — and why whole life often makes salesmen rich and clients poor
• Disability insurance deep dive: level vs. graded policies, how much coverage actually makes sense, and why “get the max” isn’t always good advice
• What changes when you go from associate to practice owner: bank-required life insurance, business overhead expense coverage, and more
• Business owner’s policies — general liability, property/contents coverage, and business interruption — plus real claim stories (yes, cars have driven into waiting rooms)
• Newer risks every practice owner should know: employment practices liability (especially in CA) and cyber liability/social engineering scams

A must-listen before you sign anything with a commission-hungry insurance rep. Tune in for the real breakdown.

Contact Conor: CFSdentaldivision.com | conor@cfsdentaldivision.com

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