Why do dental labs need insurance?
An ill-fitting denture or removable retainer could result in a costly lawsuit if it causes an injury. Business insurance covers the cost of patient lawsuits, along with other risks like theft, fires, and data breaches. Some policies, such as workers' compensation, may be required by state law or your clients.
Find affordable coverage
Dental lab owners can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of business insurance do dental labs need?
These insurance policies cover the most common risks faced by dental labs.
General liability insurance
A commercial general liability policy covers third-party risks, such as a slip-and-fall injury in your lab. Add product liability insurance to guard against product lawsuits.
- Client injuries
- Client property damage
- Libel and slander lawsuits
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for dental laboratories to buy general liability coverage and commercial property insurance together.
- Accidents involving clients
- Stolen or damaged business property
- Business interruption coverage
Workers’ compensation insurance
Most states require workers' comp for dental labs that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Professional liability insurance
This policy covers lawsuits related to mistakes, such as a dental prosthesis that caused an injury. It’s sometimes referred to as malpractice insurance or errors and omissions insurance (E&O).
- Failure to deliver products on time
- Accusations of negligence
- Defective dental products
Commercial auto insurance
Almost every state requires commercial auto insurance for business-owned vehicles. It covers financial losses in the event of an accident involving your dental lab's van or other vehicle.
- Bodily injuries from an auto accident
- Property damage caused by your vehicle
- Vehicle theft and vandalism
Cyber insurance
This policy is also called data breach insurance. It helps dental labs survive data breaches and cyberattacks by paying for customer notifications, credit monitoring, and data recovery.
- Client notification expenses
- Data breach lawsuits
- Fraud monitoring costs
How much does business insurance cost for healthcare facilities?
A small dental lab with only a few employees can expect to pay less for insurance than a larger business.
Factors that affect premiums include:
- Services offered, such as dentistry or orthodontics
- Business property and equipment
- Business income
- Business location
- Types of insurance purchased
- Policy limits and deductibles
How do I get dental lab insurance?
It's easy to get business insurance for dental labs, dentists, and dental hygienists if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download a certificate.
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your dental lab, whether you work independently or hire employees.
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