This "Special Risk" Business Equipment Insurance Plan is a complete insurance program. Most homeowner’s policies won’t cover your business related equipment at your office … at home … or in your car. You’ve spent a lot of money building up the collection of equipment used in your profession. Isn’t it worth protecting? No matter how careful you are, your equipment can be lost, stolen or damaged by vandalism, fire, and lightning.
If something happened to your equipment, you’d not only lose your investment, but you may also have to pay additional expenses such as temporary rental fees. The “Special Risk” Business Equipment Insurance Plan not only covers your business equipment for damage or loss but can pay these additional expenses as well. Plus, you can insure all of your equipment, even traditional office equipment such as computers and printers, for a low cost you probably won’t find anywhere else.
The cost of this Plan can be tax-deductible as a normal business expense and there's a low $100 deductible! The Business Equipment Program for ADHA members is the most comprehensive and economical policy you can buy.
Annual Premium Per $100 of Replacement Value = $2
(Subject to a $50.00 minimum premium)
For example: If the equipment you want to insure is valued at $10,000, here's how you would calculate your premium:
$10,000 = 100 Units $2 x 100 - $200
Simply click the Equipment Insurance Application button. Should you have questions or need additional information, please email us or call our insurance specialists at 1-800-503-9230 Monday-Friday, 8am-5pm (CT).
Do I have to insure all my equipment?
Is this insurance necessary if I already have coverage under a homeowner’s policy?
What if new equipment is purchased?
What's the minimum premium required under this plan?
Is there coverage if any equipment is loaned to someone else?
Will my Professional Liability insurance policy cover my equipment?
If there is a covered claim for an item that must be replaced, is the replacement value of the equipment paid?
What is ‘Special Risk’ insurance?
The information on this site describes the benefits for eligible employees of American Dental Hygienists' Association and is intended to provide a brief overview of the coverage. In the event of any conflict or inconsistency between the information on this site and the information contained in the underlying plan documents, the plan documents, as interpreted by the Plan Administrator, will in all respects control and govern. If any provision is not explained or only partially explained, your rights will always be determined under the provisions of the underlying plan documents, as interpreted by the Plan Administrator. For complete plan details, please consult your HR department.
Any situation which may result in a claim should be reported immediately to:
York Claims Service, Inc.
99 Cherry Hill Road, Suite 102
Parsippany, New Jersey 07054