Dental Practice Insurance

Tailored cover for dental practices and surgeries, as well as dental laboratories. Standard cover includes:

  • Free access to Towergate Risk Support, an online health and safety and HR support portal which includes 13 accredited e-learning modules
  • Insured contents covered when away from the surgery
  • Access to Markel Law Hub - your very own legal information panel

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0330 123 5833
0330 123 5833

Weekdays 8.30am – 5.30pm
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Features of our dental practice insurance

Loss or damage to equipment

Dental surgery and practice contents are covered both within and away from the practice, for example if patients or staff take away equipment for short-term monitoring or working away from the practice, providing it is only temporary.

Accurate valuations of your dental surgery or practice

Through our trusted partner, we can offer free desktop valuation reviews – that can indicate whether the amount you have valued your building at is adequate. Should this indication suggest over or underinsurance, we can help you to arrange a full, on-site valuation with a pre-agreed price from our partner CPA.

Public liability cover for dental surgeries

When dealing with the general public, it is important to have sufficient liability protection in place. Our policy covers £5m as standard, and there is no excess amount applied to this aspect of cover.

Tailor your policy to your dental surgery or practice needs with optional cover

We understand that not all cover available is required by all practices, so to avoid you paying for cover you don’t need, we have some aspects of cover that are optional extras. These include legal expenses, to protect you against legal defence costs and Lorega loss recovery – a service to support you in the event of a claim over £5,000.

Dental Practice Insurance Claims

We do our absolute best to handle your claim in-house and if your claim is under £5000 you will have access to a dedicated claims handler. However, if a claim is made that is higher than £5000 we'll help you every step of the way and get your claim settled with the minimum amount of fuss.

When you give us a call, we advise you to have:

  • Details of your claim
  • Your policy reference number
  • Photographic evidence (where appropriate)

To discuss your insurance requirements, or to make a claim on your existing policy please call us on:

0330 123 5921
or email us.

Dental Practice Insurance Articles & Guides

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When a locum is required to cover an absence in a medical practice it can be a stressful and costly time. Locum insurance can help your practice to continue putting patients first and protect you from the increased cost of working as a result of a staff absence.

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A Guide to Surgery Insurance

If you own a surgery; be it medical, dental or veterinary, you'll need the correct insurance in place. Our guide explains what you should look for in your policy and some of the terminology involved.

Dental Practice Insurance FAQs

Dental Practice FAQs

Why do I need employers’ liability insurance on my practice policy?

You are required to have employers’ liability insurance if your business has employees. The requirement applies irrespective of whether your staff are full or part time. The insurance covers your legal liability to employees if they are injured at work or become ill as a result of the work they do for you. The policy will cover your legal defence costs and will pay compensation to the employee if you have been negligent.

What do you mean by 'minimum standard of security' on my policy?

To provide theft cover your insurer will require a minimum level of security on your premises. This will include, for example:

  • Five lever mortice deadlocks complying with British Standard 3621 on all final exit doors.

  • Key operated window locks to be fitted on all ground floor and accessible opening windows.

Please refer to your policy wording for full details as the requirements can vary according to the type of door and windows you have. This will not apply to any door or window officially designated a fire exit by the Fire Authority.

Dental Practice Benefits Insurance FAQs

What if a staff member is injured outside work?

Our policy provides 24/7 cover worldwide covering a wide range of activities. If your staff member’s hobbies and activities are more adventurous than tennis or football, just let us know and we can cover most activities from scuba diving to skiing.

Does the policy provide cover for re-occurring conditions?

If a member of staff returns to work within 26 weeks of an absence and the same condition re-occurs, the same claim can continue with a nil week excess period.

General FAQ

Can I pay in instalments?

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, please read our dedicated page on direct debit.

To understand more about how PCL work together with Towergate, please read our regulatory information.

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