Cyber insurance for Florida dental practices, sized for the front office.
Dental offices hold the same regulated PHI as medical practices, often on cloud practice-management systems run by a small front office. We quote cyber coverage sized for a dental practice, not an enterprise.
Why dental practices are buying cyber now
The push rarely comes from the IT department
HIPAA applies to dental
Covered-entity duties do not shrink with practice size: breach notification, safeguards, and OCR exposure all apply to a single-location office.
DSOs and payer networks
DSO agreements and payer credentialing increasingly ask about cyber coverage and security controls.
Practice lenders
Acquisition and equipment lenders have started asking about operational risk coverage, cyber included, on larger practice loans.
What actually goes wrong
The loss patterns we quote against, and the coverages that respond
Patient record exposure
Charts, imaging, SSNs, and payment data in practice-management systems carry HIPAA and FIPA duties when exposed, with notification across your whole patient base.
Practice-management ransomware
When scheduling, imaging, and billing lock up, the practice stops producing. Coverage funds recovery, lost income, and extra expense to keep seeing patients.
Payment and billing fraud
Card data and insurance billing make dental offices targets for skimming and spoofed payment redirects; cyber crime coverages respond.
The rules a breach activates
Coverage is one half; these duties are the other
HIPAA Breach Notification Rule
Same duties as any covered entity: patient notification within 60 days at the outside, HHS reporting, and media notice when more than 500 residents of a state or jurisdiction are affected.
FIPA (Fla. Stat. 501.171)
Florida layers its own duties on top of HIPAA: state notification within 30 days at 500 or more affected Florida residents, and a copy of the HIPAA notice provided to Florida when relying on federal timing. FIPA covers health information alongside SSNs and financial details.
Think you're already covered? Upload the policy and see.
Most GL, BOP, and professional liability policies now carry explicit cyber and electronic-data exclusions. Upload your current policy and our AI shows you, in plain English, which losses it would leave you to pay for.
This free policy check is an informational preview, not a complete coverage evaluation or a determination of how any claim would be decided. AI-generated analysis is not insurance or legal advice; always confirm coverage with your carrier or a licensed broker. Your upload is encrypted and never sold, and anonymous uploads are deleted if you don't create an account within 24 hours.
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Other Florida industries we quote
Cyber risk looks different in every profession. Pick yours.
Frequently asked questions
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Get a Cyber QuoteTruscott Inc., d/b/a Truscott Insurance Solutions, is an independent Florida-licensed insurance agency (FL agency license L136441). Coverage descriptions and legal references on this page are informational summaries, not insurance or legal advice; actual terms are governed by the issued policy, and statutes and regulations may change. Industry cost figures are attributed averages, not quotes.