Do You Need Dental Office Business Insurance?
A dental office business insurance policy is recommended for:
- General dentists
- Oral Surgeons
Our Coverage for Dental Professionals
Here are some of our most popular policies for dental offices.
General liability insurance protects your dental office in cases where someone claims you hurt them or damaged their property. For example, It could cover a person’s medical expenses following an injury in your waiting room.
Business Property Insurance
This can protect your rented or owned office space and all of the equipment that you use to run the dental office from damage, including sterilization equipment, tools, instruments, lights and chairs.
Business Income Insurance
If your dental office is unable to open due to a covered property damage, this can replace your lost income. For example, if your dental office needs to close because of issues like contaminated water, this type of policy can prove valuable.
Business Owner’s Policy
A Business Owners Policy (BOP) combines three essential coverages – General Liability Insurance, Business Property Insurance, and Business Income Insurance – into one convenient policy at a discounted rate.
From sterilization equipment to X-ray machines, your dental office relies on expensive equipment to treat patients properly. If any of these machines break down, you could be facing steep repair bells that need to be paid urgently so you can get back to business. Equipment breakdown coverage can help cover repairs for dental equipment that has malfunctioned.
Workers compensation protects your dental office’s staff if a work-related illness or injury occurs and is required in many states. It can cover a worker’s medical expenses and wages lost during recovery. In a dental office, it can also pay for lab testing following needle stick accidents.
Data Breach Insurance
Dental offices are a common target for hackers, and a data breach can be financially devastating. If sensitive patient data or financial information is compromised in a data breach, this insurance can cover the costs of getting back up and running. It includes coverage for compensating victims of the breach financially and providing credit monitoring and notification services. It can also be used for public relations purposes to restore your practice’s reputation following the breach.
Employment Practices Liability Insurance
This policy can protect the owner of your dental practice from claims made by employees of wrongful termination, workplace discrimination, sexual harassment and other employment law matters.
Entity Malpractice Insurance
This covers malpractice claims that are made against your dental office and is a useful addition to personal malpractice insurance covering individual dentists.