Insurance for dentists – why it matters
When you’ve worked hard to build up your practice, you need to know it’s protected. Insuring your specialist equipment is a key consideration, as well as covering your work premises for things like flooding and fires. Hiscox can tailor your business insurance package for the challenges that dentists face, so if anything goes wrong, you know you won’t have to deal with it alone.
Why dentists need insurance
Floods, fires and other damage
If your dental practice is damaged by flooding or affected by a fire you could be out of action for weeks. Likewise, if a key piece of specialist equipment breaks down, you could be looking at a hefty bill to get things up and running again. If you find yourself facing an unexpected expense, we’ll be there to help with the costs of repairs, replacements and loss of business revenue until you’re back on your feet.
Data in the wrong hands
Your job means you know your clients really well, you’re trusted with personal and confidential data and you treat it with the appropriate respect. But mistakes happen, even if you're not personally to blame. If data is accidentally shared with the wrong recipient, or deliberately targeted in a cyber attack, it could be expensive and not just financially – you could find your reputation at stake.
A problem with your key equipment
It goes without saying that your job requires specialist equipment, it’s not cheap and it’s not easy to replace, but you can’t do your job properly without it. If a key piece of equipment is out of action it’s not just a headache for you, it also risks wreaking havoc with your appointments diary and wasting other people’s time too. It’s essential that you get back up and running fast.
If you’re not sure what you need, tell us a little more about what you do. We’ll help you to build your quote and explore any other insurance needs.
Build my cover
Key types of insurance for dentists
Business interruption insurance
You’ve worked hard to build your business, but if you’re unable to continue as normal for a period because of an unexpected interruption, like a fire, flooding or a break-in, you need to keep things running, pay bills and maintain relationships with your clients. The specialist nature of your work means you can't do it just anywhere, so as a dentist, insurance needs to cover lost income and get you back to business as quickly as possible.
Cyber and data insurance
Cyber and data risk insurance covers you against data breaches, whether they’re the result of a mistake on your part or you’re targeted by cyber criminals who threaten to share confidential information. In either case we’ll help with the costs of getting you back on track and where cyber crime is involved, we’ll provide you with access to our specialists who can deal with ransom demands and help you to stay safe in future.
Equipment breakdown insurance
If an expensive piece of specialist dental equipment breaks, everything comes to a halt until it’s fixed, often leading to missed appointments. Compromising other people’s diaries as well as your own could harm your reputation, even if it’s not your fault. With equipment breakdown insurance you’ll be covered for the cost of repairs and replacements if anything stops working, so you can get back up to speed and keep your promises to your patients.
These are just some of the types of business insurance for dentists that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
Get your quote