Dentist Office Insurance

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Dental practitioners are responsible for improving the dental care of their patients. And since the margin for error in the medical field is practically zero, in the event of an accident the dentist or the dental lab can be held liable.

Thus, having dentist office and dental labs insurance is essential as it will free your dental business from any financial liabilities that may arise in the event of an accident.

Why Do Dentist Offices & Dental Labs Need Insurance?

The benefits of getting dental offices and dental labs insurance are obvious, and thus, highly recommended if you want to avoid a financial crisis in the event of a lawsuit or a claim.

Dentistry tools and other sharp objects can easily cause bodily harm to patients if not properly handled or disposed of. And as a result, patients unsatisfied with their dental work might file a dental malpractice claim. The lawsuits that may arise from these incidents can be costly and put the practice or dental lab into a financial crisis.

In other cases, dental equipment such as X-ray machines is expensive and needs to be handled properly. Otherwise, they can get damaged, which can halt the operations of your business until the problem is resolved.

Other hazards, such as property damage due to vandalism and theft can also cost your business dearly without insurance in place.

Aside from that, many dental offices and dental labs across the United States are simply required to take out a certain level of cover by law in order to legally operate and serve the public.

What Types of Insurance Do Dentist Offices & Dental Labs Need?

Dental offices and dental labs have a variety of dentist liability insurance policies available to them. The level of coverage your dental business needs will depend on the state you operate out of, the number of dental staff you have working for your business, the products and services you provide, and other similar factors.

Below, you can discover some of the most recommended insurance policies for dentist offices and dental labs.

How Much Does Dentist Office & Dental Lab Insurance Cost?

The cost of insurance for dentists varies from business to business. But, generally speaking, the average dental office and dental lab pays around $100 per month or $1,200 per year for business owner’s insurance.

For general liability insurance, dental labs and dentist offices pay around $40 per month or $480 per year. This policy will shield your business against third-party body injuries and property damage.

In order to comply with state laws and regulations, business owners (dental offices and labs included) must prioritize the safety and welfare of their employees. As a result, they are legally required to take out a worker’s compensation insurance, which costs around $65 per month or $780 per year.

This policy will cover your employee's medical bills, hospital expenses, rehabilitation costs, lost wages, and other fees in case they fall sick or get injured at the workplace.

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