Dental Practice insurance
Business insurance for dentists, dental practitioners and dental surgeries
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Insurance covers to consider
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability 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
Employers' liability insurance
Employers’ liability insurance provides cover for claims made by employees for injuries, illnesses or accidents that arise in the course of their employment.
Employers have a legal responsibility to ensure that their workplace is safe for their employees and that they are protected from harm while on the job. Dental practices are no exception, and as such, they need to have the necessary insurance coverage to protect them in the event of employee claims. Employers liability insurance is a legal requirement for businesses in the UK.
Property covers
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.
Business interruption
Business interruption insurance is another important type of insurance that dental practices should consider. This insurance provides coverage for lost income and expenses incurred by the practice due to an unexpected disruption to its operations.
For example, if a fire or other insured event occurs and the practice is forced to temporarily close or limit its services, business interruption insurance can provide coverage for the income that is lost during the closure or reduced operation, as well as any related expenses that are incurred.
Business interruption insurance is designed to help dental practices recover from the financial losses that occur as a result of a disruption to their operations. This can include lost income, increased expenses, and other costs that may arise during the recovery period.
Commercial legal protection
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.
Cyber & 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.
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.
Directors & officers cover
Directors and Officers (D&O) Insurance is a type of insurance that provides coverage for dental practices’ directors, officers, and other high-ranking employees against claims of wrongful acts, errors, or omissions that they may have committed in the course of their duties.
For dental practices, D&O insurance can provide coverage for claims of mismanagement, breach of fiduciary duty, discrimination, harassment, or other wrongful acts that the directors and officers may have committed while running the practice.
Tools & engineering insurance
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.
Dental practice insurance FAQs
Do I need dental practice insurance?
If you own or operate a dental practice, then dental practice insurance is essential to protect your business and assets against a range of potential risks and liabilities. Even the most skilled and experienced dental professionals can face claims of professional negligence, bodily injury, property damage, and other liabilities that can result in significant financial losses and reputational harm.
Without the right insurance coverage, dental practices can be exposed to significant financial risks and liabilities that can threaten the future of their business. By investing in dental practice insurance, you can have peace of mind knowing that you are protected against a range of potential risks and liabilities.
The specific insurance needs of a dental practice will vary depending on its size, location, and other factors. At Premierline, we help dental practice owners assess their risks and determine the appropriate insurance cover for your needs.
What covers do dental practices need?
Dental practices may require a range of different insurance coverages to protect against potential risks and liabilities that may arise in the course of their work. Here are some of the covers that dental practices may need:
- Public liability – provides protection against claims made by members of the public who may be injured or suffer property damage
- Employers’ liability – to protect against claims made by employees who may be injured or suffer illness as a result of their work
- Medical malpractice – provides protection against claims of professional negligence by patients in your care
- Buildings cover – to cover for loss or damage to your premises
- Equipment, contents and stock – to reinstate your items and belongings
- Business interruption – to keep finances running when disaster strikes
- Business legal expenses – to cover the cost of legal expenses or defending your business against legal action
- Cyber liability – to protect against data breaches, cyber-attacks, and other online risks
- Directors and officers – can provide coverage for claims of mismanagement, breach of fiduciary duty and discrimination
The specific insurance needs of a dental practice will vary depending on its size, location, and other factors. At Premierline our insurance advisors can help dental practice owners assess their risks and determine the appropriate insurance covers for their needs.
How much does dental practice insurance cost?
The cost of dental practice insurance can vary depending on a number of factors, including the size of your practice, the level of cover you require, and the other risks associated with the business.
It’s important to speak with an insurance advisor to get an accurate estimate of the cost of insurance for your dental practice. At Premierline, we can help you understand the different factors that may affect the cost of insurance and provide you with a customised insurance policy that meets your unique needs and budget.
Why choose Premierline to arrange dental practice insurance?
At Premierline, we have a team of insurance experts who are highly experienced in arranging insurance policies for care business such as dental practices. We work with a range of leading insurance providers to offer a wide range of cover options for your business and can help you save time and effort by comparing insurance policies from multiple providers on your behalf.
By choosing Premierline as your business insurance broker, you can have peace of mind knowing that your dental practice is protected with the right level of insurance cover.
What will I need to know to complete my insurance quotation?
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
How soon will I get my policy documents?
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
How do I pay for my policy?
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
Why choose Premierline?
We're business insurance experts
We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
Our customer reviews and testimonials
“Good range of cover at a great price. I was impressed with how they put together a bespoke insurance package for my business. It beat the usual competition in scope and price, ensuring one can sleep at night. I havent had the need to claim but hope if ever I do, in such an event their services would be likewise efficient and thorough.”
Dental Surgery
Customer since October 2024
Our independent customer reviews
Speak to a dental practice insurance expert
Whatever your insurance needs, we make arranging your dental practice insurance simple and hassle-free. Our business insurance specialists are on hand over the phone to discuss your requirements, offer advice and talk you through your insurance options.
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
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