How it works
A warranty your patients can see. A company your practice owns.
Two pieces work together: a limited warranty you offer patients, and a reinsurance structure that lets the practice keep the value it creates.
The program, step by step
01
Offer the warranty
When a patient receives covered restorative work, the practice issues a limited warranty with written terms.
02
A fee funds the program
A warranty fee is collected with treatment. It funds claims and is ceded to a reinsurance company owned by the practice owner.
03
Claims are handled
If covered work fails under the terms, the administrator processes the claim. Patients follow simple steps.
04
Profit stays with you
Over time, what isn’t paid in claims and expenses builds as reserves and underwriting profit in your company.
Why own the reinsurance?
In a typical warranty, the fee goes to an outside company and stays there. With a practice-owned reinsurance company, the risk — and the reward — sits with you.
It’s the same structure car dealers use with the service contracts they sell. The dealer owns a reinsurance company, and over time it becomes a meaningful asset alongside the dealership itself.
Reinsurance and tax structures have strict requirements. We work alongside your CPA and attorney, and every practice should review the structure with its own advisors before launch.
| Who | What they do |
|---|---|
| Your practice | Offers the warranty, collects the fee, keeps patients on their recall schedule. |
| Your reinsurance company | Owned by the practice owner. Holds reserves and earns underwriting profit. |
| Program administrator | Issues certificates, processes claims, handles reporting and compliance. |
| Dauntless Solutions | Designs your program, coordinates setup, trains your team and stays with you after launch. |
| Your patient | Receives written protection on covered work and keeps up with recall visits. |
From first call to launch
Most of the work happens on our side. Your team’s part is a short training and a few decisions.
1
Discovery call
We learn your procedure mix, case volume and goals. About 30 minutes.
2
Program review
We model how a program could look for your practice and review it with you and your CPA.
3
Setup
Paperwork, the reinsurance company, warranty terms and the administrator are put in place.
4
Team training and launch
We train the front desk and treatment coordinators on how to present the warranty, then go live.
See what a warranty program could do for your practice.
A 30-minute call. No cost and no obligation.