To find out how much dental practice insurance will cost, our expert advisors are on-hand to discuss your requirements and can compare quotes from many trusted business insurers.
Dental practice insurance covers explained
Public liability insurance
Public liability insurance can protect you financially if a patient or visitor takes legal proceedings against you if they suffer an injury or damage their property whilst at your dental practice, as well as cover for the associated medical and/or legal costs too.
Dental surgery building and contents cover
Typically, dental practice insurance would include cover for dental surgery premises, dental practice contents and specialist equipment and can also be extended to cover medical supplies as well. Most dental surgery insurance policies will cover a number of events, including fire, theft, flood and storm, and many other perils.
Employers’ liability insurance
If you have employees who work for you in your dental practice, such as office and reception staff, dental hygienists or dental practitioners then you will need to take out employers' liability insurance to safeguard your employees against accidents at work. Typically, these covers can be combined into one ‘easy to buy’ insurance policy, tailored to your specific needs.
Business interruption insurance
If you suffer damage to your premises as a result of an insured event that means you are unable to practise, business interruption cover can safeguard your profit and cover your business expenses while you get back up and running. It can also provide cover to let you practise temporarily from other premises while you get back on your feet.
Dental practice specialist equipment cover
In addition, you may require additional insurance to cover specialist dentist equipment against breakdown, and some of your equipment may need inspecting annually. We can arrange this engineering inspection cover for you to ensure you have protection for your business.
Commercial legal protection
Commercial legal protection could offer cover for the costs relating to unforeseen legal action that may be brought against you for things like property, contractual or employment disputes that may arise within your dental practice.
Cyber and data insurance
At your dental practice, access to your computer system will be very important to your business. You may hold personal and confidential data about your patients, suppliers or even your employees on your computer. With this in mind, you might want to consider cyber liability insurance, which is designed to support your business if your systems are compromised by things like malicious hackers who may cause damage or restrict access to the information you hold. Our advisors are on hand over the phone to discuss your cyber liability insurance requirements.
Medical malpractice insurance
Medical malpractice insurance is designed specifically for health and care practitioners who give medical treatment, guidance and advice to their patients. 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 could cover the costs of compensation you may have to pay. This cover is not typically included in a dental practice insurance policy as standard, and as a specialist insurance cover, our advisors can also provide recommendations for medical malpractice insurance over the phone.
Additional covers to consider
We can also help to source complementary insurance products for your surgery, such as Directors and Officers Insurance or business emergency cover. Simply give us a call to arrange any of these.
Dental practice insurance with Premierline
If know your dental surgery or office insurance requirements and don't need advice you can compare dental practice insurance quotes online today. Alternatively, you can call our business insurance advisors to get expert advice and arrange the bespoke insurance your dental practice deserves.