Business Insurance for Dentists *

Dental practices in Australia should have public liability, commercial property, product liability and cyber insurance to protect their business and patients. Depending on what services the dental practice offers, they may need to add coverage for advanced procedures like implants, orthodontics, and cosmetics.

Factors like practice size, location, services offered, and claims history all play a role in the cost of dentists surgery insurance. Businesses that have high-value, specialised equipment or buildings in high-risk locations will typically have higher premiums.

Associates and contractors aren’t automatically covered under business insurance for dentists, but they can be depending on the policy wording. They typically need to be explicitly named or classified as employees to be covered. Independent contractors usually need their own insurance while associates working at the practice can be covered if the policy specifies “all employed dentists.”

Intentional acts, frauds, and incidents that occurred before the retroactive date aren’t covered. Certain aspects aren’t covered in standard insurance policies, such as advanced services like orthodontics, but they can be added on if needed.