As a client facing business operation, the work carried out in dental practices is highly skilled, and normally by a range of professionals. The nature of dentistry naturally means you and your staff are more susceptible than an average business to claims made by your clients. If you employ trainees, you may be increasing the risk further. Key considerations when considering the elements of your policy would be, how many clients on average do you treat? What is the value of your equipment? Is the equipment owned, or leased? Do you own or lease the premises? Would your business be able to function if certain members of staff were unable to work?
We would suggest the following insurances as being key to dental practices, and you should consider these as elements of your policy;
Public Liability Insurance
Employers Liability Insurance
Business Buildings & Contents Insurance
Legal Expenses Insurance