Dental Practice Insurance
Dental practice insurance typically leads with professional liability, or dental malpractice, for claims arising from patient care, then adds commercial property for costly chairs, imaging, and sterilization systems, cyber liability for patient records under HIPAA and the California CMIA, workers’ compensation, employment practices liability, and general liability. In California, workers’ compensation is required once you have any employees.
A dental practice carries the risk of a clinical business and the overhead of a technology-heavy one. Chairs, imaging units, and sterilization systems represent serious investment, and patient care carries its own liability. We help California dental practices bring those pieces together.
Why Dental Practice Insurance Coverage?
What does dental practice insurance cover?
- Professional liability, or dental malpractice, for claims arising from patient care. This is typically the lead coverage.
- Commercial property, with attention to expensive dental equipment such as chairs, imaging, and lab and sterilization systems.
- Cyber liability for patient-data exposure under HIPAA and the California Confidentiality of Medical Information Act (CMIA).
- Workers’ compensation, which California requires once you have any employees.
- Employment practices liability (EPLI) for claims such as harassment, discrimination, or wrongful termination.
- General liability for non-clinical incidents, such as a patient slip-and-fall.
Who needs it? General dentists, specialists such as orthodontists, endodontists, and oral surgeons, and multi-location or group practices. Infection control and sterilization are a real part of the risk picture, and larger teams typically add employment and workers’ comp exposure.
Dental Equipment Coverage
Dental equipment is costly to replace, so commercial property coverage should reflect the current replacement value of your chairs, imaging units, and lab and sterilization systems. We review whether your property coverage reflects current replacement values as your practice grows.
Cyber Liability and Workers’ Compensation
Dental practices in California handle protected patient information under HIPAA and CMIA, which makes cyber and privacy coverage meaningful. Employment practices liability is also worth considering, since employment claims can arise in practices of any size, and workers’ compensation is required once you have any employees.
