Dental Practice Insurance

Dental practices are vulnerable to public liability claims due to the nature of their work and the fact that they interact with patients and visitors on a daily basis. Public liability insurance provides coverage for dental practices against third-party claims for property damage or bodily injury caused by their business activities.

For example, if a patient or a visitor slips and falls in your dental practice and suffers an injury, they may sue your practice for damages. In such a case, your dental practice public liability insurance would provide coverage for the legal expenses and compensation costs associated with the claim. This type of insurance is crucial for dental practices, as it can protect them from financial losses and reputational damage

Typically, dental practices require buildings and contents insurance to protect their physical assets such as buildings, equipment, and contents from various perils such as fire, theft, and damage caused by natural disasters like floods or storms.

Buildings and contents insurance is typically designed to provide coverage for the dental practice's physical property, including the building, its fixtures, and fittings, as well as any equipment, stock, or other contents that are kept on the premises.

For example, if a fire or flood damages the dental practice's building, equipment, or contents, buildings and contents insurance can provide coverage for repair or replacement costs.

Commercial legal protection provides coverage for legal fees associated with defending against legal claims or pursuing legal action related to the dental practice.

For example, commercial legal expenses could provide cover for tax and VAT disputes, employment disputes and compensation awards, as well as an allowance for jury service should you, your business partners or employees be summoned.

Medical malpractice insurance is designed specifically for health and care practitioners who give medical treatment, guidance and advice to their patients.

Dental procedures, like any medical procedures, involve inherent risks, and there is always the possibility that something can go wrong. Patients can suffer injuries or complications during or after a dental procedure, and they may seek compensation for their losses, medical expenses, or emotional distress.

If a patient claims they’ve suffered an injury, illness or unexpected outcome as a result of treatment or advice they received from you, medical malpractice insurance could cover the costs of compensation you may have to pay. This cover is not typically included in a surgery insurance policy as standard. As a specialist insurance cover, our advisors can also provide recommendations for medical malpractice insurance over the phone.

Dental practices rely heavily on expensive and specialised equipment, such as X-ray machines, dental chairs, and other dental tools. Any damage or breakdown of this equipment can be costly and disrupt the smooth operation of a dental practice.

Tools and engineering insurance provides coverage for damage or breakdown of equipment due to various reasons, including accidental damage, mechanical failure, electrical faults, and other unforeseen events. It can also provide cover for the repair or replacement of the equipment and any financial losses incurred due to the breakdown.