When Did You Last Review Your Practice Insurance?

For a Dental practice owner, your practice is your livelihood. It is the income generator for you and your family, and your retirement plan. It is therefore essential to always be thinking of how you can make improvements to your practice to better it’s future successes and minimise risk of unnecessary costs.

Many dental practice owners are too busy in their day-to-day lives to take a few minutes out to assess their Practice Insurance. Maybe you can relate to this.

However, it is essential to conduct regular Practice Insurance reviews to ensure, firstly the insurance meets your requirements and secondly, you are paying the best premium.

Ensure you are sufficiently covered

Compliance is a prevalent part of life for a dental practice owner. CQC and statutory regulations must be adhered to.

It is a legal requirement for you to hold Employers Liability Insurance, and have your pressure vessels inspected regularly.

Public Liability Insurance is always best practice to have in place too and sometimes is is mandatory when the CQC are involved.

Organising Practice Insurance should also be taken very seriously.

Even though there is no regulatory body insisting on specific cover, imagine if your business was unable to operate to it’s full potential. How would this affect your livelihood, and the comfort of your family?

Ensuring you have sufficient Practice Insurance cover to cater for all possible risks is therefore essential. Its important to remember too that it isn’t just the obvious risks that are a threat to your business.

For example, a fire or flood could, understandably, cause signifiant damage and likely down-time as the practice recovers.

However, if your vital equipment breaks down, such as dental chairs or x-ray machines, the cost to you, as the practice owner, isn’t limited to just replacing the equipment.

It also includes the loss of revenue whilst you are unable to work to your usual potential.

Make time for a full Practice Insurance Review

Dental Practice Insurance policies do vary.

It is therefore important to make sure you are insured to cover all risks.

A specialist insurance provider can help arrange adequate cover and provide assistance in making any claims if your practice needs to.

Typically a comprehensive Practice Insurance policy will include: ​

  • Buildings Insurance or Tenants Improvements Cover
  • Practice Contents Cover
  • Computers Cover
  • Stock Cover
  • Pressure Vessel Insurance
  • Public & Employers Liability Insurance
  • Full Equipment Breakdown Cover
  • Walk-in Theft Cover
  • Loss of Gross Revenue
  • Money
  • Consider risks such as Cyber crime & Terrorism

Optional extras are highly worthwhile to consider these days, as risks are changing:

  • Terrorism Cover
  • Cyber Liability Insurance
  • Locum Cover / Key Person Insurance
  • Pressure Vessel Inspection Cover

Our experienced and highly trained team can help you choose the most relevant Dental Practice Insurance product for your practice, based on risks.

We only choose the highest quality insurers that have a solid reputation for their claims service.


For peace of mind that you and your business reputation are protected, contact All Med Pro for all your insurance needs.

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