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What insurance does a dental practice need?
Most dental practices need malpractice coverage for the care they give and a separate package for the business behind it. Here's what each policy does, and how they fit together.
The coverages a dental practice needs
Start with the two policies almost every practice carries, malpractice and a business owner's policy, then add the pieces your size, your lease and your data make necessary.
Dentist malpractice insurance
Claims that your treatment, diagnosis or informed-consent process harmed a patient, plus the defense costs. Dentist malpractice insurance
Business owner's policy
Property, general liability and business income combined in one policy for an eligible office. Business owner's policy
General liability
Non-clinical injuries and damage: the waiting-room slip, the companion hurt in the hallway, an advertising claim. General liability
Property and equipment
The suite, the build-out, chairs, imaging, scanners and sterilization equipment, with equipment breakdown. Property and equipment
Business income
Lost income and continuing expenses while covered damage keeps the practice closed. Business income
Cyber and HIPAA breach
Forensics, patient notification, ransomware response and lost income after a breach. Cyber insurance
Workers' comp
Medical bills and lost wages for team members hurt on the job. Workers' comp
Employment practices liability
Claims by employees or applicants over hiring, firing, harassment or discrimination. Employment practices liability
Employee theft and embezzlement
Theft of the practice's money or property by someone on the payroll. Employee theft coverage
Umbrella
Extra limits above general liability, employer's liability and hired or non-owned auto. Umbrella insurance
Board complaints and license defense
Help with legal costs when a patient files a complaint with the dental board. License defense coverage
Where most practices start
A solo practice in a leased suite usually needs malpractice, a business owner's policy with enough equipment and tenant-improvement limits, workers' comp once there are employees, and cyber if charts and imaging are digital.
A growing group adds employment practices liability, employee theft coverage and an umbrella, and needs a clear answer on how each dentist and the entity share malpractice limits.
A multi-location group needs every office on one schedule, consistent limits across locations and a plan for adding offices mid-term. Coverage for dental groups and DSOs
Not sure where your practice fits? Start a quote and a licensed agent will walk through it with you.
Coverage questions
What insurance does a dental practice need?
Does an umbrella policy add to my malpractice limits?
What's the difference between general liability and malpractice?
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