Insurance for Dentists

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Building your own dental practice is no easy task, it takes lots of dedication and hard work to get your practice settled and accomplish your dream. For that reason, it is important to protect yourself and your practice against any unwanted risks.

No matter how careful you are, or whether you have your own practice or work from a hospital or clinic, you still need to protect yourself from risks that are not always obvious or easy to anticipate.

One mistake could lead to the closing of your practice or sometimes even the termination of your career. Here are some of the main benefits of having the right dentist insurance coverage in place.

Why Do Dentists Need Insurance?

As a dentist, you might face several risks while on the job. In order for you to be able to concentrate on helping your patients, you need to have the right coverage in place against common risks you might face. These risks can stem from:

  • Negligence - humans are bound to make mistakes and as a dentist, you might face allegations around negligent acts that t have caused harm to your patients.

  • Equipment Breakdown - sometimes the tools you use as a dentist might break or suddenly stop working which might affect your daily work and cause you to lose time and money or could cause someone to get hurt.

  • Cyberattacks - It is hard to anticipate someone hacking your system and stealing private information about you, your employees, and your patients but it’s more common than you might think. A single data breach could cost you thousand and damage your reputation.

Some other risks might be related to natural disasters or other factors that might cause a sudden interruption to your business.

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Do Dentists Need Professional Liability?

Professional Liability, also known as Malpractice insurance, is essential to protect you against any risks or third party claims. Dentist Malpractice insurance will protect you against claims coming from your patients. Besides protecting medical professionals, malpractice insurance will also help keep your medical practice up-and-running in case you face lawsuits. This policy is often mandated by either state regulators or the practice you work with, let it be a hospital or clinic. If you interact with patients Malpractice insurance for dentists is a must to protect you against incidents that might happen and negatively affect your work.

Some of the most common incidents that dentists might face are:

  • Anesthesia-related complications
  • Failure to refer a patient to the right specialist
  • Misplacing a bridge or a crown
  • Working on an unaffected tooth (wrong tooth)
  • Slip and falls at your dental office
  • Mistakes while doing oral surgeries

Malpractice dental insurance will help decrease the damage that any of the above claims might yield and keep you protected at all times.

What Other Types of Insurance Do Dentists Need?

  • Disability Insurance: whether you are starting your dental practice or you are already an established, well-experienced dentist, you should protect yourself against accidents that might cause a temporary or permanent injury.

  • Commercial Property: if you run your own practice it is essential to get covered against any potential property damage, including all your physical assets. This policy will cover natural disasters, revenue losses, and repair costs in addition to many other damages.

  • Equipment Breakdown: your equipment is not always covered under your property insurance. To make sure your equipment is covered in case of an explosion of steam boilers, for example, you should get Equipment Breakdown insurance. This will save you tons of money and headaches.

  • Workers Compensation: this insurance might be needed if you have other employees helping you run your practice. It protects you and your employees in case they get injured or become ill on the job.

  • Cyber Liability: if you store information about your patients online it is important to stay on top of the many risks you might face by purchasing Cyber Liability insurance for dentists. Some of the risks you might face are data breaches, hacking incidents, or even losses from damages to your reputation.

Searching for the best dentist insurance plans might be a hassle. Here at CoverWallet we will do the job for you and provide you with the best options to always protect yourself and your dental practice.

Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.