Your commitment to keeping smiles bright is matched by our dedication to protecting your dental practice. We provide specialized small business insurance designed to cover the unique needs of dental professionals, ensuring both your practice and your patients are safeguarded.

Tailored Insurance for Dental Practices

Operating a dental practice involves managing patient care, handling sensitive records, and navigating various risks, from property damage to bodily injury. Comprehensive dental office insurance is vital for mitigating these risks and maintaining your focus on delivering exceptional care.

Who Benefits from Dental Office Insurance?

Our coverage is ideal for:

  • General Dentists
  • Dental Hygienists
  • Pediatric Dentists
  • Periodontists
  • Endodontists
  • Oral Surgeons
  • Orthodontists
  • Prosthodontists

Essential Coverages for Dental Professionals

Many dental practices start with a Business Owner’s Policy (BOP), which consolidates three critical coverages:

  1. General Liability Insurance
    • Shields your practice from claims related to bodily injury or property damage caused by your services.
  2. Commercial Property Insurance
    • Protects your office space, equipment, and inventory, including:
      • Patient chairs
      • Dental lights
      • Sterilization equipment
      • Tools and instruments
  3. Business Income Insurance
    • Replaces lost income if your practice is unable to operate due to covered property damage.

Understanding Dental Office Insurance Costs

On average, dental office insurance costs about $1,019 per year, or approximately $85 per month. However, prices can vary based on factors such as:

  • Location
  • Number of employees
  • Specific policy details (coverage limits and deductibles)

For an accurate quote tailored to your practice, please get in touch with us.

Instant Proof of Insurance

We recognize that your time is valuable. Obtain your proof of insurance instantly through our online system.

Specialized Insurance for Dental Practices

Our insurance solutions offer peace of mind, knowing you’re covered for a range of risks. Watch our customer testimonials to see the impact of comprehensive dental office insurance.

What Insurance Do Dentists Need?

Insurance needs vary by dental practice. Consider coverage that addresses:

  • Your dental team
  • Office operations
  • Office property

We offer a range of insurance options to provide thorough protection for your practice.

Protecting Your Dental Team

Dentists and their staff face various risks, including injuries from tools and equipment. Proper dental office insurance helps safeguard your team.

Example Incident: In 2020, there were approximately 9,200 nonfatal injuries and illnesses in dental offices.

  • Needlestick Accidents: Workers’ compensation insurance covers injuries from needlestick accidents, including testing and medical costs for affected staff and patients.
  • Legal Costs: Endorsements like Reimbursement of Legal Expenses can help cover legal fees if an employee needs representation for disciplinary actions.

Safeguarding Your Dental Operations

Unexpected events can disrupt your practice and affect your finances. Dental office insurance helps protect against such risks.

  • Contaminated Water: Business income insurance can compensate for lost income if your practice must close due to water contamination.
  • Discrimination Lawsuits: Employment practices liability insurance provides protection if faced with discrimination or harassment claims.

Protecting Your Office Property

Your dental office's property, including equipment and sensitive patient records, needs protection. Our insurance covers:

  • Lost Records: Valuable papers and records coverage helps with costs if patient files are damaged or lost.
  • Property Damage: Commercial property insurance covers repair costs for damage to your office and equipment, with additional business income coverage available if you’re unable to operate during repairs.

By choosing our specialized dental office insurance, you ensure that your practice is well-protected, allowing you to focus on what you do best: caring for your patients.