Undoubtedly you have insurance in place to protect your practice against perils such as a fire or tornado. However, have you made provisions for loss of income during the closure of your practice as the result of a disaster? Or if you are disabled and cannot work? There are two types of insurance coverage your practice cannot afford to go without.
Business interruption coverage replaces lost revenue due to property damage or loss caused by a covered peril.  For example, a dental office is forced to close due to damage from a covered loss, such as fire.  The revenue of the office would be severely impacted during the period in which patients could not be treated.  Wages, rent and other business expenses, however, would continue. Business interruption coverage ensures the ability of the policyholder to pay these ongoing costs.   
There are usually waiting periods and possibly deductibles that apply to business interruption claims, although they are generally only a part of a larger issue (such as a fire or tornado.)  It’s critical for any commercial business to be sure it carries business interruption coverage.  It’s most often written as part of commercial property policies. Be sure to inquire about it.
Business overhead expense insurance: Purchasing this coverage will allow your ongoing business expenses to be reimbursed by the insurer if you are disabled and cannot work. This will cover rent or mortgage (typically up to two years), pay utilities and taxes, cover wages and salaries for your staff so you don’t lose your employees and damage the value of your practice, and more. Business overhead expense is a critical part of your financial safety net, but one that is often overlooked.  
Call MDA Insurance at 800-860-2272 or visit mdaprograms.com to learn where your insurance gaps are, and where your practice might still be vulnerable. Peace of mind starts here.