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Dental Practice Insurance
Award-winning Dental Practice Insurance
If you’re running a dental practice it’s essential that you have dental practice insurance to be protected from any damage to equipment or property. By having dental surgery insurance you can also protect yourself from costly overheads like legal expenses, loss of income and employers’ liability claims.
By using dental business insurance for your dental practice, you can cover yourself for any eventuality that might occur in a surgery. This could even include improvements you’ve made to the building as tenants or buildings insurance if you own the freehold of the property.
Dental Practice Insurance Cover
There are a range of different areas that dental cover insurance protects, including the building itself, the contents of the surgery and the day-to-day operations of the business that you could be liable for if something goes wrong.
Dental Building Insurance
If you own the freehold of your practice, buildings insurance can be included in your dental surgery insurance policy. If you don’t own the freehold but are renting or leasing, then you can be protected by tenants improvements insurance if you’ve spent money improving or refurbishing the property. This could include building a new stud wall or installing suspended ceilings. Dental surgery insurance can also include cover for any damaged glass, blinds and signs.
Dental Contents Cover
Insurance for a dental practice will include practice contents cover for dental chairs, specialist equipment, computer equipment and machinery. You can also receive cover for any stock which is kept inside the property, including dental tools and mouthwash. Business money is also included, which can cover you for money on the premises, whether it’s locked in a safe or strongroom, and also when in transit to or from the premises or bank.
Dental Business Operations
There is a range of cover available to protect you from what could happen at your dental practice. This includes business interruption cover, which helps to cover the loss of revenue and expenses if the dental practice is temporarily shut down due to an insured event.
Employers’ liability insurance safeguards the practice against legal and compensation expenses from employee claims. If one of your employees falls ill or sustains an injury in the context of the work they do for you, you could be held liable.
Employee dishonesty can protect you from any loss of money or goods caused by fraud or dishonesty of your employees, whilst public liability insurance will help protect your business if a claim is made against you (such as a patient sustaining an injury). You can also be protected for a loss of income for up to 36 months, and have legal expenses covered.
Choosing the right Dental Practice Insurance provider
How can you choose Practice Insurance?
Opting for a reliable insurance provider ensures that practitioners and their practices are safeguarded against potential financial hardships resulting from malpractice claims, property damage, or other unforeseen circumstances.
The right insurance provider should offer tailored coverage that aligns with the specific needs and size of the dental practice, providing peace of mind and allowing dentists to focus on delivering quality care to their patients without worrying about the financial consequences of unexpected events. Selecting a reputable dental practice insurance provider, like All Med Pro, not only protects the practice’s assets but also upholds its professional reputation
Benefits of Dental Practice Insurance with All Med Pro
- 12 years of experience supporting dentists and the dentistry sector.
- One point of contact for your dental practice requirements.
- Tailored cover to meet your dental practice insurance requirements.
- Experience of creating policies for insurance with dental practices.
- Equipment breakdown cover
“We have worked with All Med Pro for over 9 years, and they have proved to be a fantastic insurance partner for our organisation. As a dynamic fast growing company, Portman needs their partners to provide swift advice and help us understand the risks facing our business today and the risks of tomorrow. All Med Pro have delivered on all accounts. All Med Pro’s all-round service has been excellent, both with claims and in finding innovative ways to address our requirements. We would recommend All Med Pro to others.”
Darren Milne – Finance Director, Portman Healthcare
Dental Practice Insurance FAQs:
As an employer, you have a legal obligation to hold Employer’s Liability Insurance. It is also essential to have your pressure vessels inspected on a regular basis. It is also vital to protect yourself with Public Liability Insurance (and, in some cases the CQQ will insist on this). All reputable surgery insurance policies will include Employer’s liability as standard.
Most dental practice insurance policies would cover the dental surgery premise if freehold, the dental practice contents and specialist equipment such as dental chairs. The main perils covered by dental surgery insurance include fire, theft, flood and storm damage.
Dental practice insurance is not mandatory in the UK in the same way that car insurance is mandatory for drivers. However, it is highly recommended for dental professionals and practices to have appropriate insurance coverage to protect themselves, their patients, and their businesses.
The cost of dental practice insurance can vary depending on a number of factors, including the size of your practice, the level of coverage you require, and the other risks associated with the business.
It’s important to speak with an insurance broker to get an accurate estimate of the insurance cost for your dental practice. At All Med Pro 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.
Yes – most dental surgery insurances automatically cover includes, employer’s liability, public and products liability. Including the following extensions:
- Indemnity to Principle
- Unsatisfied court judgements
- Health and Safety at Work Act 1974 – Legal defence costs
- Court attendance
Yes – Practice Insurance is crucial. Not only does it offer you peace of mind, but it also keeps you compliant with CQC and statutory requirements.
Business Interruption helps cover the loss of revenue and expenses if the dental practice or the dental surgery is temporarily shut down for example in the case of a severe weather event, fire, smoke and water damage, vandalism, theft resulting in damage, burst pipes, structural repairs, long-term loss of utilities.
Tenants Improvements insurance will cover you if you rent or lease a property and have spent money improving or refurbishing the property. For instance, built a new stud wall or put in suspended ceilings.
If you are the leaseholder of the Dental Practice, you may be interested in including Rent Payable cover. This will ensure that your monthly rent will still be paid to the landlord if you are not able to trade at the premises due to an insured event such as fire, flood etc.
Yes – they would be covered in the event of damage, explosion, and legal liability at your dental practice. If you require inspection of the items, this can be arranged under a separate contract.
Dental staff are typically not automatically covered under a dental practice insurance policy. Dental practice insurance policies, also known as dental malpractice insurance or professional liability insurance, are primarily designed to protect the dental practice itself and the dentists working within the practice from liability claims related to malpractice, negligence, or other professional errors.
However, under the same policy, dental practices often have the option to extend their coverage to include their staff, such as dental hygienists, dental assistants, and office personnel. This is usually done through an endorsement or a separate provision within the policy that specifies which staff members are covered and under what circumstances.