When joining forces with an existing team of dentists, total dental protection depends on what the group offers for benefits and insurance. As previously mentioned, some offer complete professional liability insurance policies while others have a partial group policy or none at all. For partials or nonexistent insurance coverage, you need to make sure that you have complete protection by filling in for what isn’t there. That will fill in the gaps to form total dental protection. Just like individual dentists, you may need personal professional liability coverage, life insurance, disability insurance, or your own personal liability umbrella coverage. The most common one needed is the umbrella coverage, but it can vary from one office to another as to what is truly needed.