INSURANCE FOR DENTAL PRACTICES
Dental Practice Insurance Program
Our Dental Office Insurance Program is designed to protect dentists, orthodontists, oral surgeons, and dental specialists from the unique risks of running a practice.
Comprehensive Coverage Designed Specifically for Dentists
Two Specialized Dental Practice Insurance Programs
- General Dental Practice Insurance Program – For dentists providing patient care in private practices or group offices. Includes coverage for professional liability, business property, and patient data protection. Excludes practices providing primarily cosmetic surgery or experimental treatments.
- Specialty Dental Practice Insurance Program – For dental professionals focused on specialized services such as pediatric dentistry, endodontics, periodontics, orthodontics, or oral surgery. Includes enhanced coverage options for advanced equipment, higher patient volumes, and additional malpractice protection.
Note: Our dental insurance programs are not available Alaska, Hawaii, California, and Louisiana. All coverage is subject to underwriting approval.
Dental Practice Insurance Coverage Details
Customizable Core Coverage – Professional & General Liability Insurance:
- $1,000,000 per occurrence
- $3,000,000 general aggregate
- $1,000,000 professional liability (malpractice)
- $1,000,000 personal & advertising injury
- $100,000 damage to rented premises
Additional optional coverages available through The Southern Agency include:
- Business Property Insurance – Covers dental equipment, chairs, imaging devices, computers, and office contents.
- Business Income Insurance – Replaces lost income if your practice is forced to close due to a covered loss.
- Workers Compensation Insurance – For dental hygienists, assistants, and administrative staff.
- Cyber Liability Insurance – Protects against patient data breaches and HIPAA violations.
- Employment Practices Liability Insurance (EPLI) – Coverage for employee-related claims such as discrimination or wrongful termination.
Why Dentists Trust The Southern Agency
- Exclusive Programs: Designed specifically for dental practices, orthodontists, and oral surgeons.
- Locked-In Rates: Dental program that offers a 3 year policy term to prevent increase in premium.
- Competitive Rates: Comprehensive dental office coverage starting at affordable annual premiums.
- Fast Underwriting Process: Simple applications and fast turnarounds.
- Convenient Payment Plans: Flexible options to fit your business’s cash flow.
- Expertise You Can Count On: Expertise You Can Count On: 40+ years insuring healthcare providers and professional offices.
- Top-Rated Carriers: Backed by AM Best A+ rated carriers.
- Protection After Retirement: Because our policies are written on an occurrence form, you remain covered even after the policy ends—so if a patient files a claim years later for an incident that happened while you were insured, you’re still protected.
Our goal is simple: Protect your patients, your practice, and your professional reputation—so you can focus on creating healthy smiles.
How do I get started?
Getting your customized dental practice insurance quote is easy. Simply click the “Start Your Dental Practice Insurance Quote” button, complete our brief form, and our team will contact you to discuss how this specialized insurance program can protect and support your dental practice.
