When a ransomware attack locks your practice management software at 8 a.m. on a Monday, the question isn’t whether you have insurance. It’s whether your insurance policy is backed by a team that can actually respond. NOVA Computer Solutions partners with TechRug to provide cyber insurance coverage exclusively available to dental practices under our managed IT services plans. That means faster breach response, lower premiums, and an incident response process that doesn’t require you to navigate a claims call before anyone starts working on your systems.
Dental practices are among the most targeted healthcare organizations for ransomware and data theft. The reason is straightforward: you hold electronic protected health information (ePHI) that’s worth considerably more on the black market than a stolen credit card, combined with the operational pressure to restore systems and get back to patients quickly.
Most cyber insurance policies treat dental practices like any other small business. When a breach happens, you call a claims hotline. An adjuster reviews the incident. A third-party response firm gets dispatched. Meanwhile, your schedule is down, your team can’t access patient records, and the clock on HIPAA’s breach notification requirements is running.
The coverage gap isn’t just financial. It’s operational.
Because NOVA is incident response certified through TechRug, we have the authority to begin remediation immediately when a covered client has a breach. We don’t wait for a claims approval. We don’t route through a third-party firm that has never touched your systems.
Here’s what that means in practice:
Because of our certification and the speed of our response model, TechRug is able to offer lower premiums to practices under NOVA management than they would qualify for independently.
Cyber insurers have tightened underwriting requirements significantly over the past two years, and the 2026 HIPAA Security Rule updates have raised the bar further. Most carriers will not issue a policy unless a practice can demonstrate:
Practices working with NOVA have these controls in place as part of their managed IT program. The TechRug policy is structured around the security posture we maintain for you, which is why you qualify at a lower rate than you would shopping coverage independently.
TechRug’s cyber insurance program available to NOVA-managed dental practices and DSOs provides:
Covers the cost of determining what happened, which records were affected, and what systems were compromised. This is typically a $10,000 to $50,000 expense before any remediation begins, and it’s required for HIPAA breach notification compliance.
Compensates for lost revenue while your systems are offline. For a dental practice, a single day of downtime can mean $5,000 to $20,000 or more in cancelled appointments and lost production, depending on practice size.
Covers legal defense costs and, where insurable under applicable law, HIPAA regulatory fines. OCR issued more than $6.6 million in fines in 2025 alone for organizations that failed to meet basic Security Rule requirements.
Covers ransom payment decisions, negotiation support, and decryption assistance. For DSOs managing multiple locations, aggregation risk is a particular concern: a single vendor compromise can affect every location simultaneously.
Covers the cost of notifying affected patients, which HIPAA requires within 60 days of discovering a breach. For larger practices, this cost alone can reach tens of thousands of dollars.
Covers claims made against your practice by patients, partners, or regulators following a breach involving their information.
HIPAA compliance is a legal requirement. Cyber insurance is the financial backstop when compliance isn’t enough to prevent an incident. They are not substitutes for each other.
A well-maintained security posture reduces the likelihood of a breach and the severity of any regulatory response. But dental practices of every size and compliance maturity have experienced ransomware attacks. The question is whether the financial and operational impact is survivable.
For most independent dental practices, it is not survivable without coverage. For DSOs, an uninsured breach at a single location creates liability that extends across the entire organization.
NOVA Computer Solutions has built our managed IT program specifically around the operational and compliance requirements of dental practices. We understand practice management software, digital imaging systems, CBCT workflows, and the staff dynamics of a clinical environment. Our team isn’t learning your industry when an incident happens.
The TechRug partnership reflects how we think about IT risk management for dental clients: coverage should be integrated with response capability, not purchased separately and hoped for later.
Cyber insurance for dental practices is only available through the TechRug program to practices under NOVA managed IT. If you’re not currently a NOVA client, the process starts with an introductory meeting. We’ll review your current security posture, identify what’s needed to qualify for coverage, and outline what the transition to managed IT looks like for your practice or DSO.
If you’re already a NOVA client and haven’t set up TechRug coverage, contact your account manager directly.
