Insurance for Dentists and Dental Surgeries

Dentists are doctors in the health care field who are concerned with the diagnosis, treatment, and prevention of disease, injury, damage or loss to teeth, gums, and the mouth in general. Dentists also are involved with the replacement of artificial teeth, bridges, dentures, and other such devices. Although it is becoming more common for crowns to be made in the dentist’s office, more extensive items such as bridges are moulded and sent to dental laboratories for manufacture. Dentists must be specially educated and licensed.

At Business Insurance Service, we understand not just the insurance industry, but the commercial sector too. Our brokers have years of experience and expertise in finding professionals from across all disciplines the right kind of Liability and Professional Indemnity insurance cover for tradespeople, giving both sole traders, SMEs, and large practices the protection they need.


What Insurance does a Dentist need?

Minimum recommended cover can usually be arranged on a Surgery package combined policy to include Buildings, Computer Equipment & General Contents, Loss of Income, Employee Dishonesty, Public Liability, Employers’ Liability and Legal Expenses.

Other covers to consider are Professional Indemnity, Cyber Liability, Employment Practices Liability, Commercial Vehicle, Employee Benefits, Directors and Officers Liability, Excess of Loss/Difference in Cover.

Property insurance

Property exposure is very light for fire and crime. The business interruption exposure can be minimised if the dentist has arranged for temporary facilities with another dentist.

Property liability

Premises liability exposure is light but the customer areas should be neat with no obstructions and well-lit when people are travelling to and from the examination area. Overhead equipment should be moved before patients exit dental chairs.

Crime Insurance

Crime exposure is from employee dishonesty of both money and inventory. All ordering, billing and disbursement must be handled by separate individuals. Monitoring must be constant.

Employers’ Liability Insurance

Employers’ liability exposure is primarily from possible transmission of disease from a patient. Dusts caused by grinding and exposure to adhesives and other substances can result in occupational injury. Gloves and masks should be worn at all times when working around the patient. Training and safety equipment should be in place to prevent exposure to radiation when performing X-rays.

Professional Indemnity Insurance

Professional Indemnity exposures are a primary concern. All dentists and employees should be well trained, experienced, and properly licensed. The more varied procedures that the dentist performs, the more chance of professional loss. Needles and other equipment must be sterilised and sanitised to prevent the spread of blood-borne infectious diseases such as hepatitis, HIV and AIDS. On-site surgeries must be closely monitored, with an experienced trained individual administering and monitoring the use of the anaesthetic. Many dentists handle cases requiring anaesthesia in hospital environments and use the staff anaesthesiologist.

What other risks does a Dentist face?

Other exposures include items that the dentist may take off site to handle emergencies. This can be addressed by an all risks to portable equipment cover and can also be extended to include all office furnishings. A dentist’s office will generally include sophisticated computer and video equipment as well as X-ray machines. All electrical wiring must be up to code and equipment properly maintained.

A small fire, which produces smoke, can cause a lot of damage because of the need for sterile equipment. Additional exposures include book debts and deeds and documents (patients’ records and medical research books). It is vital that duplicates of all records and programmes be kept off site. Target items for theft include gases, pharmaceuticals, and gold used for fillings. These items should be inaccessible for unauthorised use and stored in a protected area after hours.

Common Exposures for Dental Clinics

This document provides a summary of common exposures and potential areas that require insurance cover for dental clinics.

Why not discover more about Business Insurance Service? Or simply get in touch with our services today.

How can Business Insurance Service help Dentists?

Whether you’re a sole trader or a small to large company, your insurance portfolio has to be up to date and provide you and your business with the right level of protection. Rather than trying to find surgery, liability  or professional indemnity insurance by hunting through countless websites, let us or our website do it for you.

We’re members of the British Insurance Brokers Association (BIBA) and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.

As preferred brokers working with some of the largest insurance providers in the UK, we have immediate access to a huge range of policies for various businesses, including vets and surgeries. We provide our customers with a bespoke or package service, creating insurance portfolios that are specifically tailored to your individual needs, and your budget.

A fully accredited service delivered by professional brokers

To find out more about insurance for Dentistry or Dental Surgery call us on 01273 789 979

Email us at hello@businessinsuranceservice.co.uk

Use our Get In Touch form to request a call-back.

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    We’re members of the British Insurance Brokers Association and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.