Insurance for a Dentist

General Liability Insurance: A patient could slip in your waiting area and injure themselves, leading to a lawsuit. General liability insurance can cover the medical expenses and legal fees, shielding your dental practice from significant financial strain.

Professional Liability (Malpractice) Insurance: A patient might claim their dental procedure was mishandled or resulted in complications. Professional liability insurance protects against allegations of negligence, covering legal fees and settlements.

Commercial Property Insurance: A fire or burglary could damage your dental equipment, patient files, and office furniture. Commercial property insurance helps replace damaged assets, allowing your practice to recover quickly.

Business Interruption Insurance: If a natural disaster or significant damage temporarily closes your dental office, business interruption insurance compensates for lost income and fixed expenses, stabilizing your finances.

Workers’ Compensation Insurance: A dental assistant could strain their wrist while working, requiring medical treatment and time off. Workers’ compensation insurance ensures employees receive medical care and wage replacement while protecting your practice from legal consequences.

Cyber Insurance: A data breach could expose patient records, including medical and billing information. Cyber insurance covers breach investigations, client notifications, and legal expenses, helping to secure sensitive patient data.

Equipment Breakdown Insurance: Your X-ray machines, dental chairs, and autoclaves are vital to daily operations. If any equipment breaks down, equipment breakdown insurance can cover repair or replacement costs, preventing major service disruptions.

Commercial Auto Insurance: If your practice uses vehicles for patient transport or outreach services, commercial auto insurance covers accidents, vehicle damage, and medical expenses, keeping your vehicles compliant and ready for use.