Dentists, by nature, are solitary beings. Most practice alone and many have no arrangement to keep their practices running if they are unable to be in the office. The thinking often goes, “I have life/disability/overhead/malpractice insurance. What else is there to worry about?” An often-overlooked “insurance” is the cross-coverage group—an agreement among like-minded practitioners to fill in for one another if a member is disabled or dies.