Dental Office Insurance

dental office insurance

Dental Office Insurance You Can Depend On

You love to keep your customers smiling. And so do we. We’ve created small business insurance made for dental professionals so you can make sure your dental practice and your patients are protected.
 
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dental office insurance

Customized Dental Office Insurance

From taking care of patients to handling sensitive records, your dental practice faces unique risks. That’s in addition to the common risks your office faces, like property damage and bodily injury. That’s why dental office insurance, also known as business insurance, is an essential part to your risk management plan.
Dental office business insurance

Who Needs Dental Office Business Insurance?

  • General dentists
  • Dental hygienists
  • Pedodontists
  • Periodontists
  • Endodontists
  • Oral surgeons
  • Orthodontists
  • Prosthodontists

Common Coverages for Dental Professionals

Many dental offices start with a Business Owner’s Policy (BOP) as their foundation for small business insurance protection. A BOP combines three essential coverages into one policy.
 
General liability insurance helps protect your business if someone claims your dental office hurt them or damaged their property. For example, if a patient trips over a chair in your waiting room and hurts themselves, this coverage can help pay for their medical expenses.
 
Business property insurance can help protect your owned or rented office space and the equipment you use to run your dental office. This includes:
 
  • Patient chairs
  • Dental lights
  • Sterilization equipment
  • Tools and instruments
Business income insurance can replace your dental office’s lost income if you can’t open because of covered property damage.
cost of dental business insurance

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We know your time is valuable. Get your proof of insurance instantly online.
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Dental Office Business Insurance Specialized for You

With dental office insurance, you can have peace of mind knowing you have coverage to help protect you from different risks. Watch this customer testimonial about the importance of dental office business insurance.

Covering Your Dental Office Team

From working with sharp tools to being on the move around the office, we know your employees face different risks that can result in an injury. With the right dental office insurance, you can help protect them.
Nearly half of dentists and other dental health care workers experienced a needlestick injury over the span of 11 months.1
dental insurance plans

Needlestick Accident

“One of my dentists was giving a Novocaine shot to their patient. When they were putting the needle back on the tray, they accidentally stuck themselves. We had to get blood work done for both my dentist and their patient.”
 
Workers’ compensation insurance helps protect your dental office staff if they get a work-related injury or illness. Our program includes many benefits, including a needlestick reimbursement program that helps pay for initial testing of your employee and their patient.
dentist dental office insurance

Legal Costs

“One of our dentists had to appear before a review board because of an issue they had with a patient. The board was deciding on disciplinary actions, so he needed to hire an attorney to represent him.”
 
We offer endorsements you can add to your policy to help customize your coverage. For example, reimbursement of legal expenses coverage can help pay your employees’ legal costs if they have to appear before a court or review board.

Covering Your Dental Office's Operations

We understand running a dental office takes hard work. If something happened that prevented you from running your business, it could impact your finances and success. That’s why dental office insurance can help protect you if the unexpected happens.
40% of small businesses will face a liability or property claim in the next 10 years.2
insurance for dentists

Contaminated Water

“A chemical spill near our offices contaminated the water supply so we couldn’t use it to clean our patients’ teeth. We ended up closing until the water was re-tested and came back clean.”
 
Business income insurance for drinkable water can help cover your dental office’s lost income if you have to close because of contaminated water.
dental offices insurance

Discrimination Lawsuits

“We decided not to renew a contract with another dentist who was an independent contractor for our office. She ended up suing our dental practice for discrimination.”
 
Our employment practices liability insurance coverage helps protect your business if an employee or independent contractor sues your business for discrimination or harassment.

Covering Your Dental Office's Property

It’s important to protect the property you use to run your dental office. This goes beyond the equipment and tools you and your team rely on, and includes the sensitive and confidential patient information and the system used to store these valuable records. Dental office business insurance can help protect your business from facing financial risks if something happens to your property.
In 2019, there were 1.4 healthcare data breaches a day.3
dental practice insurance

Lost Records

“A water pipe burst in the room where we keep our patient records and files. Some of the documents got damaged and we needed to have them recreated.”
 
We offer valuable papers and records coverage which can help you if your patients’ files or records go missing or get damaged due to a covered loss, like a burglary.
dental clinic insurance

Property Damage

“A fire broke out in our building and ended up causing major damage to my business. Not to mention tons of equipment we had stored in the basement.”
 
Business property insurance can help cover your repair costs to fix damage to your dental office’s physical building and tools you use for your business. Our business income coverage options can also help to replace your office’s lost income if you can’t open while repairs are happening.

Dental Office Insurance You Can Trust

When it comes to helping protect your dental office from different risks, you need an insurance company you can rely on. With over 200 years of experience, we’ve helped over 1 million small business owners like you. We know every company is unique and we understand the risks your dental office faces. Our specialists are here to help get you the right coverage and answer any questions you have.
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Dental Office Insurance That Has Your Back

Get the protection you need so you can successfully run your dental office.
 
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The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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