Herb Ford, VP at Risk Strategies Dental Practice (Brown & Brown Company) and longtime insurance industry insider, exposes the silent killer of emerging dental groups: catastrophic insurance gaps that owners don't discover until the lawsuit arrives.

Key Revelations:

• Thinking "my associate has their own coverage" means you've handed control of YOUR practice's protection to someone else

• Group professional liability policies give you control over protection + group discounts, yet most multi-location owners don't even know they exist

• 70% of emerging DSOs keep using the same insurance structure from their single-location days - it doesn't scale and creates massive gaps

• When lawsuits hit, attorneys don't sue the associate - they sue the corporation (the one with deep pockets: YOU)

The Professional Liability Disaster Waiting to Happen

AVAILABLE ON

"Should I hire an in-house CFO or use a fractional one?"

Ken's answer: Timing is everything. Hire too early and they're bored; too late and you've already left millions on the table. Most DSOs need 10-20+ locations before a $250K-$300K strategic CFO makes sense. Until then? Fractional CFO who's hands-on coaching your team - not just showing up to meetings. Define the outcomes you need, then structure the role around that.

The "Ask Ken" Question:

Top 3 Episodes Of The Dental Truth Project. Listen Now!

• (E.15) We Pulled Insurance Duty From Our Front Desk - Revenue Jumped 30% - Francesca Pregano, Smile Makers Dental Center

• (E.1) How Outsiders Invaded Dentistry and Destroyed Billions - Brian Colao, Dykema

• (E.19) The Pay-to-Play Dental Conference Problem - Matthew McGaw, DSO Compass

While multi-location practices celebrate growth and expansion, they're unknowingly operating with fractured liability coverage - associates control the protection for million-dollar corporations, general agents miss dental-specific risks, and one credit card decline can leave an entire DSO completely exposed to financial ruin.

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