Who This Is For
Built for general dentists, orthodontists, pediatric dentists, periodontists, and oral surgery practices — whether you run a single-chair office or a multi-operatory group practice. If your day-to-day involves patient chairs, imaging equipment, sterilization areas, and staff handling both clinical work and patient records, this coverage is designed around your operation.
Coverage Options for Dentist
Dental is a preferred Travelers healthcare class. BOP with equipment breakdown is highly recommended for dental offices given the cost of chairs, imaging, and sterilization equipment.
Business Owners Policy
Bundles general liability and commercial property into a single, typically lower-cost policy that covers most day-to-day risks for the practice.
Professional Liability
Covers claims of negligence, errors, or omissions connected to the clinical services or advice you provide to patients.
General Liability
Protects against third-party claims of bodily injury or property damage — for example, a patient or visitor hurt in your office or waiting room.
Workers Compensation
Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.
Cyber
Covers costs from a data breach, ransomware attack, or other cyber incident affecting patient records, scheduling systems, or payment data.
Equipment Breakdown
Covers the mechanical or electrical failure of diagnostic, treatment, or imaging equipment — often excluded from standard property coverage.
Commercial Property
Covers your office, equipment, and business personal property against fire, theft, water damage, and other covered perils.
Business Income
Replaces lost revenue and covers continuing expenses if a covered property loss forces you to temporarily close.
Real-Life Claim Scenarios for Dentist
Patient Trips Over Equipment
A patient catches a foot on a mobile cart in the treatment bay and falls, resulting in a shoulder injury and a liability claim against the practice.
General LiabilityFire Closes the Office
An electrical fire in the sterilization room damages two operatories, forcing the practice to close for repairs and reschedule weeks of appointments.
Business IncomeImaging Equipment Fails
The digital X-ray sensor and processing unit fail simultaneously, and same-day imaging appointments must be canceled while replacement parts are sourced.
Equipment BreakdownNeedlestick Injury
A dental assistant sustains a needlestick injury while assisting with a procedure and requires post-exposure testing and follow-up care.
Workers CompensationBilling System Breach
A ransomware attack locks the practice's billing and imaging software, exposing patient insurance and payment information.
Cyber
Common Insurance Requirements
What Affects Cost
These are the main factors Travelers underwriters typically review when pricing this class:
- Services offered (general dentistry vs. oral surgery, orthodontics, or implants)
- Number of operatories and dentists on staff
- Annual revenue and payroll
- Location and lease terms
- Claims and malpractice history
- Value of imaging, sterilization, and chair-side equipment
- Volume of patient records and payment data stored electronically
- Vehicles used for mobile dental services
Frequently Asked Questions
Related Healthcare Classes
Get a Dentist Insurance Quote
Tell us about your practice and Casurance can help you review Travelers coverage options for dentist.
Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage or medical/legal advice.
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