Healthcare

Dental practices

General and specialty dental practices.

Why it needs cover

The exposure

Dental malpractice covers treatment errors and injuries; practices carry high-value equipment and PHI driving property and cyber needs.

What we place

Coverages this class usually needs

Dental malpractice (professional liability)Often (state/facility)

Treatment-error claimsCore clinical exposure

General liabilityOften (lease)

Patient/visitor injuryOffice premises

Business owners policy (BOP)Often (lease)

GL + property bundleHigh-value equipment

Workers' compensationRequired (with employees)

Staff injuriesClinical staff

CyberOften (regulatory)

PHI breachPatient records

What it costs

National benchmark premiums

Rated on: Specialty and claims history

General liability

healthcare GL averages $31/mo

Malpractice

dentists average $286/mo ($3,431/yr); general dentists commonly $3,000-$12,000/yr, specialists $10,000-$25,000/yr

Workers' comp

dentist WC averages ~$74/mo

Total annual (typical)

roughly $5,000-$15,000/yr all-in for a general practice

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Dentist cost); Wonderful Dental; White Coat Investor.

When it goes E&S

Where this risk gets hard to place

Oral surgery, implant, and sedation scope plus claims history can require specialty dental malpractice markets.

Contact

Talk to us about Dental practices.

Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.