Insurance for Dental Hygienists & Dentists

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How Dental Hygienists and Dentists Connect With Insurance

As a professional in the dental industry, there are many considerations you can choose to take in order to protect yourself. When beginning your career as a Dentist or Dental Hygienist you will need to identify insurance policies so you can find the one that best suits your specific needs.

Dentists face a litany of potential risks in their field. Whether it’s malpractice or a slip-and-fall incident, practicing dentists run the risk of involvement in a litigation process at some point during their career. As you may know, litigation is expensive regardless of whether or not you end up winning the case. Similarly, in recent years Dental Hygienists have been increasingly named as co-defendants in Dental Malpractice suits. As such, whether you are a Dentist or Dental Hygienist, it is important to ensure that you have the appropriate protections from potential lawsuits.

Working as a dental professional will mean dealing every day with public safety and wellbeing. Because of this, it is important to ensure you and your career are kept safe by the appropriate insurance coverage options. Insurance providers understand the need for dental professionals to be protected in this industry and offer a variety of insurance options.

What Risks Dental Hygienists and Dentists Face

As a Dentist or Dental Hygienist, you must take precautions to make sure you are protected from potential challenges and workplace mishaps. Even though you have undergone years of training, mistakes can — and likely will — still happen.

There are many potential reasons why a Dentist or Dental Hygienist may face liability charges. Some of the most common reasons are failure to refer a patient to a specialist, complications stemming from use of anesthesia, falls, burns, cuts, or slips at the dental office, treating or extracting the wrong tooth, or failure to fit a crown or bridge properly. Oral surgeons will face increased risks of claims filed against them as they often perform more complicated procedures and commonly use anesthesia.

Depending on the extent of the injuries or problems experienced by those filing the lawsuit against you, the awards can be considerable. Finding the right type of insurance is extremely important.

How to Mitigate Risks

Insurance coverage for Dental Hygienists and Dentists will be based on many factors that will differ depending on the company and the circumstances. It is a good idea to do research so you can identify the right insurance for your specific needs.

Business Owners Policy

As a small dental business owner, Business Owner’s Insurance can provide business liability and business property insurance together in one streamlined policy. This type of coverage is ideal for small business owners as it can protect you and your business against problems such as flooding, burglary, and more.

Workers Compensation

Workers Compensation insurance is also an important coverage to consider, as it can cover injuries to you and your employees while working on the job. Workers Compensation can also cover lost wages and medical treatment for employees that have suffered a work-related injury or illness and are unable to work. As an employer, both of these coverages are ideal and will keep you protected.

Professional Liability Insurance

Professional Liability Insurance is an important tool for both Dental Hygienists and Dentists. If you are a Dentist, this coverage can protect you from claims and are often available at a discount rate for recent graduates and will increase incrementally. For Dental Hygienists, this coverage is reasonably priced, typically around $100 per year.

Disability Insurance

Because the dental industry requires highly specialized skills in order to perform demanding physical procedures, Dentists may require higher quality Disability coverage than professionals in other fields. For example, if you suffer a back or hand injury that prevents you from working in your current role, Disability Insurance would allow you to collect benefits. The goal of Disability Insurance is to maintain your standard of living if you become disabled or unable to work in your field. Experts recommend purchasing a benefit that equates roughly 60% of your net monthly earned income.

As a dental professional, there are numerous insurance policies that can cover different aspects of your potential risk. Ultimately, your most important job as a Dental Hygienist or Dentist is to provide quality dental care to clients in need. By identifying the most appropriate insurance policies for your needs, you can rest assured and do your job without having to worry.

What type of insurance does this industry need?

Policy What is it? Why get it Popularity in your industry Want free quotes?
General Liability
This policy protects your business in case of third party claims, such as bodily injury or property damage. For example, the common "slip-and-fall" claim would be covered by your General Liability policy. General Liability insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.

What is it: This policy protects your business in case of third party claims, such as bodily injury or property damage. For example, the common "slip-and-fall" claim would be covered by your General Liability policy.

Why get it: General Liability insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.

Commercial Property
This policy protects the business's physical assets and is appropriate whether you own or lease your space. Keep in mind that this policy will only offer protection in the case of covered events. If you need protection for certain scenarios, such as floods or earthquakes, you may need additional coverage. If you have a mortgage or a lease, you may be required to have property insurance. Even if you are not, this is the best way to protect the building you are in and the business property you have in case of a natural disaster or some other accident.

What is it: This policy protects the business's physical assets and is appropriate whether you own or lease your space. Keep in mind that this policy will only offer protection in the case of covered events. If you need protection for certain scenarios, such as floods or earthquakes, you may need additional coverage.

Why get it: If you have a mortgage or a lease, you may be required to have property insurance. Even if you are not, this is the best way to protect the building you are in and the business property you have in case of a natural disaster or some other accident.

Professional Liability
This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to a mistake or error made in a professional capacity. Your business may have contracts with clients or partners that require Professional Liability coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, Professional Liability coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

What is it: This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to a mistake or error made in a professional capacity.

Why get it: Your business may have contracts with clients or partners that require Professional Liability coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, Professional Liability coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

Workers Compensation
Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work. Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.

What is it: Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work.

Why get it: Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.

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