Insurance for dental offices.

Dental malpractice, general liability, office property, and workers’ comp, for general and specialty practices. Equipment breakdown for the X-ray, compressor, and chairs your schedule runs on.

What dentists usually carry

Dental professional liability
General liability
Office property and business income
Equipment breakdown
Workers’ comp
Cyber liability
Employment practices liability

Watch for these in a dental practice policy

Claims-made coverageMany dental malpractice policies are claims-made. They answer claims made while the policy is in force, for care after your retroactive date, so keep that date when you switch.
Tail coverageRetiring, selling, or dropping a claims-made policy ends coverage for past patients unless you buy a tail. Settle who pays for it before you sign a sale agreement.
Sedation and implantsIV sedation, general anesthesia, and implant surgery are often rated on their own or excluded unless you list them.
Consent to settleSome policies let the carrier settle without your okay. Any payment made on your behalf is reported to a national practitioner data bank.
Equipment breakdownProperty insurance usually excludes a burned-out motor or a power surge. Equipment breakdown covers the X-ray, compressor, vacuum pump, and autoclave.

What landlords and lenders ask dentists for

Additional insuredYour landlord, on general liability, for the office you lease.
Loss payeeLenders that financed your equipment or practice purchase, on the property coverage.
Tenant improvementsMany leases make you insure the build-out: plumbing, cabinetry, and wiring in every operatory.
Waiver of subrogationLeases often ask you and the landlord to waive claims against each other for covered property losses.

Questions dentists ask

Straight answers.

The questions we hear most, answered plainly.

Does my malpractice policy cover my hygienists and assistants?

Most dental policies cover employed hygienists and assistants working under your direction. Associate dentists need their own policy or must be added by name.

Should I choose claims-made or occurrence malpractice?

Occurrence covers anything that happened during the policy year, whenever the claim arrives. Claims-made is priced lower in its first years, rises for about five, and needs a tail when you leave.

What if a water leak closes the office for a month?

Property coverage repairs the space and equipment. Business income replaces the revenue you lose and keeps paying rent and payroll while you are closed, for the period the policy allows.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Health and wellness

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Chiropractors

Chiropractic professional liability, Licensing board defense, General liability

Physical therapists

Professional liability, General liability, Clinic property and equipment

Massage therapists

Professional liability, General liability, Products liability for oils and lotions

Med spas

Medical and aesthetic professional liability, General liability, Products liability

Optometrists

Optometric professional liability, General liability, Exam equipment and optical inventory

Counselors and therapists

Professional liability, Licensing board defense, Entity coverage for group practices

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