Dental Practice Insurance

One program for the whole practice: malpractice, property, liability, cyber, and the people side. For solo offices, group practices, and multi-location groups across New York and beyond.

Insurance Built for the Whole Dental Practice

A dental practice carries two kinds of risk at the same time. There is the clinical side, where a patient can allege harm from treatment, and the business side, where your build-out, your equipment, your staff, and your patient data are all exposed. Most offices buy a low-cost malpractice policy and a generic business owners policy and never check whether the two fit together. The gaps show up at claim time.

We build the whole program with one broker so the malpractice and the business coverage line up and nothing falls between them. We are independent, so we take your account to the specialty and wholesale markets that fit dental, compare the forms, and read the policy before you bind. You work with a principal directly.

What a Dental Practice Needs

  • Dental professional liability (malpractice) – claims-made vs. occurrence, tail and prior acts, consent to settle, and license and board defense
  • Property and business owners coverage – leasehold improvements, chairs, operatory build-out, and business interruption income after a loss
  • Equipment breakdown – CBCT, CEREC, digital imaging, and sterilizers, which standard property forms often exclude
  • Cyber and HIPAA – breach response, patient notification, and lost income after a ransomware attack or system outage
  • General liability – slip, trip, and premises claims from patients and visitors
  • Employment practices liability – wrongful termination, harassment, and wage-and-hour claims from staff
  • Workers compensation – needlestick and repetitive-strain exposure in a dental setting

Who We Work With

  • Solo and associate-owned practices
  • Group practices and partnerships
  • Specialty practices: oral surgery, orthodontics, endodontics, periodontics, and pediatric dentistry
  • Multi-location groups and DSOs

For physician and provider malpractice, see Medical Malpractice Insurance. For other healthcare businesses, see Healthcare Business Insurance.

How We Work

Send us your current policies and we will map what you have against what a practice your size actually needs. Where you have gaps between the clinical and the business coverage, we close them. Where you are overpaying, we say so.

No. A BOP covers property and general liability, but it does not cover dental malpractice, and it often handles equipment breakdown and cyber poorly. A dental office needs the clinical and the business coverage built to work together.

Yes. Putting records in a cloud system does not transfer your legal duty to protect patient data or notify patients after a breach. Cyber covers the response, the notification, and the income you lose during an outage.

High-value imaging and CAD/CAM equipment should be scheduled at proper replacement value, with equipment breakdown coverage for the failures a standard property form excludes.

It depends on how the policies are written. We make sure associates and contractors are addressed so a claim against one of them does not become an uncovered surprise.

Yes. We structure multi-location and group practices under a coordinated program so coverage, limits, and reporting stay consistent across every office.

Yes. Send us your current policies and we will map what you have against what your practice actually needs.

Send us your dental policies.

We will map what you have against what your practice needs, malpractice and business side both. Request a program review or text 914-361-9854.

talk to daniel directly.

See what your current policy misses.

  • Send us your current policy and we’ll read every line

  • You get a written rundown of the gaps at no cost

  • A principal who knows your industry handles the placement