Dental Practice Insurance

Tailored cover for all types of medical practice, including dental practices, doctors surgeries, veterinary surgeries and 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
£4m business interruption cover over a 24-month period
24-hour business emergency helpline

Features of our dental practice insurance

Loss or damage to medical equipment, including temporary use outside your practice

Practice contents are covered both within and away from the practice, for example if patients take away equipment for short-term monitoring, or scanning machines are taken off site by a vet – providing it is only temporary. Refrigerated drugs and vaccines are covered up to £30,000 at any one location, and £5,000 per fridge. This can be increased upon referral if required.

Accurate valuations of your practice or surgery

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

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.

Optional extras - tailor your policy to your surgery/practice needs

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. Should you need to make a claim, 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 the details of your claim, your policy number and some photographic evidence (where appropriate) handy to ensure your claim gets off on the right foot.

Need to make a claim?

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

0330 123 5921

Dental Practice Insurance Articles & Guides

Managing Staff Absence in Your Practice

Statistics from the CIPD show that staff absence levels have dropped in the public sector. However, staff absence is still a concern. Read on to find out more about staff...

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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.

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.