Dental Laboratory Insurance

Our policy is designed specifically around the needs of dental laboratories, giving you peace of mind that you are in safe hands.

Business insurance that’s tailored to suit you and includes as standard; buildings and contents cover, business liabilities, precious metals and business interruption as well as other optional choices including legal expenses, loss recovery and professional indemnity for your staff.

0330 123 5833
0330 123 5833 Weekdays 8.30am – 5.30pm
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Features

Dental Laboratory Insurance

GoldSilverBronze

£100 excess

Walk in theft cover from occupied buildings

Lorega loss recovery – claims over £5000, loss assessor appointed to handle claim on your behalf.

Legal expenses cover for costs such as:

  • tax investigations
  • statutory license protection
  • Jury service cover

£250 excess

Legal expenses cover for costs such as:

  • tax investigations
  • statutory license protection
  • Jury service cover

£250 excess

Standard features

  • Business interruption up to £4million over a 24 month indemnity period
  • Employer's liability up to £10million
  • Public and products liability - £5million
  • Trace and access cover to help locate the source of an escape of water, up to £50,000
  • Signs and nameplates up to £2,500
  • Employee belongings up to £2,500
  • Money cover up to £7,500
  • Accidental damage covered as standard
  • Failure of public utilities up to £500,000
  • Loss of registration
  • 24 emergency helpline
  • Option to include personal loss assessor service to assist you with claims over £5,000

Optional cover

Professional Indemnity

While technicians are required to have this cover we recognise that some laboratories package their staff’s cover with their business insurance while others operate differently. We offer the flexibility to add additional professional indemnity to your insurance with Towergate.

Exclusions

Dental Laboratory Insurance Exclusions

  • Gold policy standard excess is £100
  • Silver and bronze policy standard excess is £250
  • Subsidence excess is £1,000
  • Glass excess is £50
  • War and nuclear risks
  • Terrorism – unless the Terrorism Section of this policy is active as requested
  • Gradual deterioration or wear and tear
  • Minimum standards of security must be met
  • Items insured else where

These are just some of the key exclusions/limitations, full details will be found in policy wordings.

FAQs

Dental Laboratory Insurance FAQs

Does it cover my professional indemnity?

Not automatically, however we do offer professional indemnity insurance and can provide you the cover you require all during the same phone call and quote set up.

What do I do out of office hours

All of our customers have access to a 24 hour emergency helpline. This phone line is active should there be an emergency and one of our advisors can help you source professional trades people at short notice.

What if some of my electrical or mechanical equipment breaks down, would this be covered?

Yes, electrical/mechanical equipment breakdown is covered as standard under our policy. This is cover for any loss as a direct result of an accident to machinery or plant. This includes cover for frozen goods cabinet contents up to a maximum £5,000 per claim and cover for reinstating data lost or damaged as a consequence of an accident to computer equipment.

If I lost the keys to the lab, and had to replace all of the locks – would I be able to claim some of this back on the policy, like I can on my home insurance?

Yes. Our policy provides loss of keys cover up to £3,500 to replace your locks. This is not only if you lose your keys, but also if they are stolen from the laboratory itself, or from the home of any employee or owner authorised to hold the keys. Keys to any safe or strong room must never be left at the laboratory overnight.

If I choose to include Lorega loss recovery, what does this mean?

Lorega loss recovery is a service that we provide to you in the event that you have a claim that is over £5,000. We provide you with a loss adjustor who works on behalf of you, not us, to help you to put a value on the amount that you need to claim for, helping you to get your business back to the same position it was in prior to the claim incident.

Claims

Dental Laboratory Insurance Claims

A claim that stops you meeting your client’s requests is never ideal for any business. At Towergate we work with you for a speedy settlement. We keep our claims team in-house so you can expect the same service and level of expertise as you would when setting up your policy. From the first call our experts will give advice and walk you through the process step by step avoiding, as much as possible, any hold-ups.

You can then download and return a simple claim form electronically and submit estimates for repairs directly to us. If your claim is under £500 we can even settle this directly over the phone without the need for any forms at all!

For claims where a specialist surveyor needs to be appointed, we will source these costs from your insurer.

0330 123 5833
0330 123 5833 Weekdays 8.30am – 5.30pm
Get a quote Request a callback

Request a callback

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