Dr. Hall thought his Baton Rouge dental office had great coverage—general liability, property, even malpractice. But when a patient fell and suffered a serious spinal injury, the legal costs went way beyond his policy limits.
His existing coverage capped out at $1 million. The lawsuit demanded $2.3 million.
That $1.3 million gap? He was on the hook for it. Unless he had umbrella insurance.
Think of it like a backup parachute. Umbrella insurance kicks in after your other business policies—like general liability, professional liability, or auto insurance—have reached their limits.
It doesn’t replace those policies. It expands them.
Let’s say you’re sued for:
A patient injury on your property
A claim of malpractice or negligence
A car accident involving your office vehicle
Defamation or personal injury lawsuits
Your umbrella policy can help cover:
Legal fees
Settlements or judgments
Medical costs
All of this comes in after your base coverage maxes out.
You’re working closely with people in high-risk situations:
Dental procedures can lead to pain or injury
Office visits can lead to falls or accidents
You handle sensitive patient data (more risk = more potential legal fallout)
And because you’re a professional service, judgments can be high—often exceeding $1 million.
A typical umbrella policy starts at $1 million in extra protection. But depending on the size of your practice, number of employees, and services you offer, we may recommend more.
The good news? Umbrella insurance is surprisingly affordable. And it can save you from financial disaster if a big lawsuit comes your way.
At Kastner Insurance, we work with dental practices across Lafayette, Baton Rouge, Youngsville, Broussard, New Orleans, and Acadiana to make sure your insurance doesn’t stop short when you need it most.
We’ll review your current policies and tell you—honestly—whether an umbrella policy makes sense for your practice.
Because lawsuits don’t care how small your office is. But we do.
Founded in 2017, Kastner Insurance Group is a full-service, independent insurance broker based in Lafayette, LA. Our insurance agents specialize in offering a variety of insurance products tailored to individual and commercial needs, making sure clients receive personalized and comprehensive coverage options from a variety of insurance companies/insurance carriers.
With over 43 years of combined experience, the team at Kastner Insurance Group is dedicated to providing expert advice and exceptional service. They proudly serve professional offices and businesses across Lafayette city/parish, Youngsville, Broussard, Baton Rouge, New Orleans, Alexandria, Acadiana, and statewide in Louisiana.
Call us today or visit our website for a customized quote.
Lafayette Insurance, affordable insurance, truck insurance, auto insurance lafayette la, commercial insurance, commercial insurance louisiana, marine insurance, hull insurance
2 min read
Levi Kastner : May 27, 2025 3:12:27 PM
Dr. Simms ran a small but busy dental office in Youngsville. Just three employees: a dental hygienist, a receptionist, and her long-time...
2 min read
Levi Kastner : May 23, 2025 10:14:35 AM
Dr. Oritz arrived at her Lafayette dental office one Monday morning to find a water pipe had burst over the weekend. Her reception area was...
3 min read
Levi Kastner : May 17, 2025 12:41:28 PM
Dr. Anika Patel had built a thriving dental office in Youngsville. Patients loved her friendly team and her sparkling new space. She had the...