California Dental Office Insurance

Professional Liability Policy (Malpractice Insurance)

Also known as errors and omissions insurance, this is the cornerstone of your insurance coverage. Malpractice claims can ruin a dental practice. 

That’s when liability insurance for dentists protects you from financial losses if a patient sues you for alleged negligence or errors in your professional services, such as missed diagnoses, improper treatment, or complications from procedures. If you failed to diagnose a patient’s problem, you could face a malpractice claim. 

Property and casualty insurance

General Liability Insurance

If you are running a dental office, general liability covers bodily injury and property damage claims arising from non-medical incidents at your practice.

For example, if a patient slips and falls on a wet floor, general liability insurance can cover their medical costs and any damage to their belongings.

Business Owner’s Policy (BOP)

This combines general liability and property coverage in a single, cost-effective package for dental professionals.

Property coverage protects your building, equipment, furniture, and supplies in case of fire, theft, vandalism, or other covered events.

Cyber Liability Insurance

In today’s digital world, cyberattacks are a growing threat. Cyber liability insurance protects your dental business from financial losses associated with data breaches, including patient information leaks, ransomware attacks, and system outages.

It’s like having a high-tech security system for your digital assets.

Insurance can help cover costs associated with legal and forensic investigations, credit monitoring for affected patients, and reputation management.

Workers’ Compensation Insurance

Workers’ compensation insurance is mandatory in California and is designed to cover the cost of medical care and wage replacement for employees with work-related injuries or illnesses.

This helps ensure your employees receive proper care while protecting your practice from financial liability.

Employment Practices Liability Insurance (EPLI)

Protects your practice from lawsuits alleging discrimination, wrongful termination, harassment, or other employment-related issues by employees.

Equipment Breakdown Insurance

Safeguards your valuable dental equipment (e.g., X-ray machines, dental chairs) in case of breakdowns or malfunctions. This insurance can cover the cost of repairs or replacements, minimizing disruptions to your practice.

Commercial Auto Insurance

If your practice owns vehicles for deliveries, errands, or transporting equipment, commercial auto insurance is crucial. It covers your vehicles in case of accidents, protecting you from financial responsibility for property damage and injuries to others.

Excess/Umbrella Insurance

Provides additional liability coverage beyond the limits of your primary professional liability and general liability policies. This can be especially valuable in the event of a catastrophic lawsuit.

By understanding these different insurance options and tailoring them to your specific practice needs, you can ensure comprehensive coverage and peace of mind for your California dental practice.