Working with dentists like you since 2010.

If you’re feeling confused about insurance or questioning if your current coverage is as solid as you were told, you are definitely not alone. Many dentists and practice owners have been oversold or under-protected by bad advice. Loyall Group is on a mission to take every dentist from chaos to clarity on all insurance matters.

Our clients love Loyall Group’s efficiency: we use technology to make the application process faster and seamless. They also express gratitude for our personalized customer service and education, where no client gets lost in the fine print. And, of course, our clients have peace of mind knowing we got them the right-fit insurance without overpaying.

Being a dentist is hard enough—you practice in an ever-changing healthcare landscape while managing and protecting your staff and attending to your personal life. Loyall Group knows that the better we handle your insurance needs, the more free you are to focus on what matters: you, your family, and your career.

Our 3-step process prepares you for a free, 15-minute consult with an insurance expert.


We make insurance easy

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Submit Information

Our fast and efficient online form only takes a few minutes to complete.


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Speak With an Expert

We can answer your questions and, more importantly, ask you the right ones.


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Apply Online

Electronically sign your application. No more cumbersome application process or waiting months for approval. Convenient, efficient, painless.


One team for all your insurance needs

We represent all the top carriers in the industry so we can provide you the customer service you deserve while guiding you to the best options for you.

Disability income

Disability Income

Life Insurance

Life Insurance



Business Personal Property

Business Personal Property

General Liability

General Liability

Insurance for Practice Loan

Insurance for Practice Loan

Applying for insurance doesn’t need to be complicated. Our 3-step process will make it a breeze.

Buying a practice and suddenly told by your bank that you need a list of insurances to close?

We can help. We will walk alongside you and show you how to satisfy your bank’s insurance requirements seamlessly, so you can close on your dream practice on time.

What dentists ask us most about their insurance

What types of insurance do dentists need to be fully protected?

Ensuring you are fully protected depends on what stage of career development you are in. The standard insurances recommended for a practice owner are more comprehensive than those recommended for an associate dentist.

Dentist – Associate

  1. Disability Income
  2. Term Life
  3. Malpractice

Dentist – Business Owner

  1. Disability Income
  2. Term Life
  3. Malpractice
  4. Business Personal Property
  5. General Liability
  6. Worker’s Compensation
  7. Cyber Risk

What type of disability insurance is best for dentists?

We recommend an individual disability income insurance policy with a “pure own occupation” definition. This type of policy protects your greatest asset—your ability to earn an income as a dentist.

In the event of an injury or illness that leaves you unable to perform the duties of your occupation, you will receive full benefits from your disability income policy, even if you are simultaneously receiving income from a second occupation you’ve started (unrelated to dentistry).

Some disability insurance carriers also offer an inexpensive rider that allows you to insure your student loans. In the event of a claim, these benefits are in addition to the disability benefits—you won’t have to spend your disability benefits to pay back student loans.

What type of life insurance is best for dentists?

Don’t overpay for complicated life insurance products that pay high commissions to agents. Pocket the difference in premium for yourself, your family, and your growing practice.

We recommend a fixed, “level-term” life insurance policy. It’s an inexpensive way to ensure those who depend on you are taken care of in the event of your premature death. If you are borrowing money to buy a practice, your lender may require life insurance that collaterally assigns the bank as the loss payee.

What type of malpractice insurance is best for dentists?

We generally recommend an “occurrence” malpractice insurance policy with a minimum of $1,000,000 / $3,000,000 liability limits.

If you already have a “claims made” malpractice policy and are looking to change your malpractice carrier, consider getting a “claims made with prior acts” policy, to avoid paying a tail fee during the transition. Your new malpractice carrier will pick up all prior risk for services rendered.

In addition, if buying a practice, consider getting entity coverage added to your malpractice.

What types of insurance do dentists need to satisfy a practice loan?

Each lender has a different set of minimum insurance requirements to satisfy their practice loans. To ensure that you, as borrower, are fully protected from your bank, the following standard insurances are recommended:

Practice Loans

  1. Business Overhead Expense
  2. Term Life
  3. Malpractice
  4. Business Personal Property
  5. General Liability

Why do I need a business owner’s policy (BOP) as a dentist?

If you are a practice owner, a business owner’s policy combines business personal property and general liability into one policy. BOP insurance protects the physical assets of your practice along with covering third-party losses (think “slip and fall”).

BOP insurance can be tailored to help meet the unique needs of practice owners by adding optional coverages, like workers’ compensation, cyber risk, and other specialized policies.

Why do I need workers’ compensation insurance as a dentist?

Workers’ compensation insurance protects the practice and its employees from financial loss when a team member is hurt or sick from a work-related cause.

Workers’ compensation insurance is required in all states except Texas.

Why do I need cyber risk insurance as a dentist?

If you are a practice owner, cyber risk insurance protects your practice from financial loss due to a data breach. This may include loss, damage, extortion, loss of income, and even damages to your reputation.

Cyber risk insurance is optional. However, given the growing percentage of practices managing their business digitally, it’s becoming more standard. Practice owners looking to protect their business’s personal and financial information and patient records from digital theft and damage are adding cyber risk insurance to their security portfolio.

The New Dentist’s Playbook

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The New Dentist's Playbook