Insurance for Dentist Offices and Dental Practices
Protect your dental practice with insurance coverage from a trusted provider.
Running a dental office today means more than just delivering excellent patient care - it also means managing financial pressures like inflation, leading a team, safeguarding sensitive data and keeping your practice resilient amid evolving factors. Dental professionals face a unique blend of challenges — from cyber threats and operational costs and liability risks — all of which can impact both patient care and cash flow.
That’s why Travelers offers customizable business insurance solutions for dentists backed by industry expertise, efficient claim handling and proactive risk control tools to help keep your practice protected, productive and financially stable.
Who needs dental office insurance?
From solo practices to multi-provider offices, every dental professional can benefit from business insurance that adapts to the complex realities of running a modern medical practice.
Travelers works with a wide range of dental professionals, including:
- General dentists
- Orthodontists
- Dental labs
- Oral surgeons
- Periodontists
Products & solutions
What insurance coverages are right for dental practices?
From general liability to data breach protection, understanding dental coverage options is a vital step toward strengthening practices’ protection and long-term stability.
Foundational dental insurance coverage
A business owner’s policy (BOP) bundles general liability, property insurance and business income protection into one convenient package – providing a solid, foundational choice for many small business owners.
General liability insurance – Helps protect dental offices against third-party claims involving accidental property damage or bodily injury – like a patient slipping in a waiting room.
Property insurance – Covers the physical assets of a business practice, such as dental equipment, furnishings and office space, in the event of fire, theft, vandalism or certain natural disasters.
Business income insurance (business interruption insurance) – Helps replace lost income and ongoing expenses if a dental practice temporarily closes due to a covered event.
Robust add-on protection for your dental practice
- Commercial auto insurance – Covers business-owned vehicles used for dental practice operations, such as transporting sterilization supplies or traveling between satellite offices.
- Cyber liability insurance – Helps cover the costs to respond in the event of a data breach, including HIPAA-related expenses like legal fees, breach notifications, credit monitoring and regulatory fines.
- Employment practices liability – Protects a dental practice from staff-related claims like wrongful termination, workplace discrimination or harassment within a clinical setting.
- Equipment breakdown coverage – Helps repair or replace critical dental equipment, such as intraoral cameras, compressors or X-ray systems, if damaged by mechanical or electrical failure.
- Umbrella insurance – Adds an extra layer of liability protection beyond standard practice policies – useful for covering high-cost claims that exceed primary coverage limits.
- Workers compensation insurance – Covers job-related diseases and injuries that may occur in dental offices, such as strains from lifting equipment or repetitive motion injuries from clinical tasks.
Optional coverages tailored to the dental industry
These enhanced protections and upgrade packages are designed specifically for dental professionals:
- Medical Dental Premier – Get access to 40+ tailored property and income disruption coverages designed for medical practices that go beyond standard policies. This option includes a $350,000 blanket limit to cover events like spoilage to refrigerated dental supplies from a power outage.
- Xtend Endorsement® – Maintain strong business relationships with landlords, vendors or referral partners. The Xtend Endorsement includes 12 general liability coverage enhancements, extension of coverage to unnamed subsidiaries (other than partnerships and joint ventures) and a blanket waiver of subrogation that protects trusted business partners from recovery of damages.
Did you know?
#1
cause of liability claim loss is slips and falls.1
$100k
per year is the average amount a typical dental practice spends on equipment .2
#1
business concern is cyberattacks, with 60% of firms reporting having been victimized more than once .3
Common claims in dental practices
Knowing the types of claims practices commonly experienced can help prepare these businesses for the unexpected. This way they are better able to discover coverage gaps and take the right steps to fill them.
Here are examples of common claims:
- General business risks – A fire, burst pipe or severe storm damages the office, forcing a temporary closure and revenue loss.
- Cyber incidents – A data breach exposes sensitive patient data, triggering HIPAA violations, costly notification requirements and potential legal action from affected individuals.
- Workers compensation claims – A dental assistant strains their back lifting equipment, requiring time off and medical care.
Fast fact:
Travelers delivers when it matters most with rapid catastrophe response for faster payment on property claims and 72% of injured employees returning to work within 30 days.4 This not only supports continuity of care but also helps manage rising labor and healthcare costs.
What factors affect the cost of dental office insurance?
Insurance premiums for dental offices are influenced by a range of operational and risk-related factors.
Cost considerations include:
- Practice size and annual revenue.
- Type of dental services offered.
- Number of employees and claims history.
- Location and business property values.
- Cybersecurity and safety measures.
Talk to a Travelers agent about bundling coverages to help save – and find the right balance of protection, value and coverage for your practice.
Support services designed to help dental practices
Beyond coverage, Travelers offers services that help dental professionals navigate risk and manage insurance more efficiently. Our tools and people are here to support your dental practice every step of the way.
Services include:
- 24/7 claims reporting – Report incidents anytime and receive responsive help from experienced Claim professionals.
- Expert loss consultation – Get expert guidance from property and auto loss consultants to make informed decisions about filing a claim when a loss occurs.
- MyTravelers® for Business – Access the online self-service platform 24/7 to easily manage your policies and payments.
- Flexible payment options – Choose monthly billing options without fees or down payments. Our TravPay® solution for workers compensation links directly to your payroll, offering real-time premium calculations and eliminating guesswork.
Safeguard the dental practice behind every smile
Whether you’re opening your first practice or growing to new locations, Travelers offers coverage that grows with your business.
Contact a Travelers agent to get a quote and design a business insurance solution for the unique needs of your dental practice.
Sources:
1,2 Travelers Office Business Class Survey (December 2024)
3 Travelers Cyber Risk Index 2025
4 As soon as medically possible. Travelers Claim Data, 3-year average, current 12-month report 2023.
More Prepare & Prevent
Insights to help you manage risks at work and on the road
Travelers Risk Index
2025 Risk Index: Cyber Risks Remain a Top Business Concern
Explore the top business risks in the 2025 Travelers Risk Index. Learn why cyber threats continue to be a top concern, and more.
Business Continuity Resources
6 Risk Management Tips for Healthcare Business Continuity Planning
Risk management in healthcare is a tough job. Learn about six important considerations for healthcare business continuity planning and how Travelers can help.
Workplace Safety Resources
The Travelers Injury Impact Report
Travelers knows firsthand that injuries can occur in any business, regardless of industry or size. Learn more in the Travelers Injury Impact Report.
Related services
Risk Control
With more than a century of expertise and more than 600 Risk Control consultants, Travelers has the experience and technical proficiency to help businesses manage their risks.
Claim
Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business.