dental malpractice insurance

Dental malpractice insurance

Westwood will work with you to ensure your dental practice has the best possible liability insurance coverage for every threat you could face.

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why do dentists need insurance?

The nature of dental procedures, which often involve significant interaction with patients’ oral health, leaves dentists and their practices vulnerable to various risks and potential lawsuits. Here are key areas where dental practices are vulnerable to being sued for malpractice:

  1. Procedural Complications: Dental procedures, ranging from routine cleanings to more complex surgeries like extractions and implants, can result in complications. These can include nerve damage, infections, or unintended outcomes like damage to adjacent teeth or tissues, leading to pain, discomfort, or further medical conditions.
  2. Failure to Diagnose or Misdiagnosis: Dentists are responsible for diagnosing oral health conditions, including periodontal disease, oral cancers, and other dental-related issues. Failure to diagnose, delayed diagnosis, or misdiagnosis can lead to progression of the condition, resulting in harm to the patient and potential legal action.
  3. Improper Treatment: This can include recommending and performing unnecessary treatments, failing to provide the appropriate treatment for a diagnosed condition, or using incorrect techniques, all of which can result in patient harm and dissatisfaction.
  4. Medication Errors: Prescribing incorrect medications, dosages, or failing to consider a patient’s medical history for allergies or interactions with current medications can lead to adverse effects and potential lawsuits.
  5. Informed Consent Issues: Dentists must obtain informed consent from patients before proceeding with treatments, fully disclosing the risks, benefits, and alternatives. Failure to obtain proper consent can result in legal action if the patient suffers unexpected complications or outcomes.
  6. Anesthesia Complications: The use of anesthesia, even for routine dental procedures, carries risks. Complications from local or general anesthesia can include allergic reactions, respiratory distress, or more severe outcomes.
  7. Breach of Patient Confidentiality: Breaches of confidentiality, whether through improper storage, unauthorized access, or careless communication, can lead to lawsuits for violating patient privacy.
  8. Dental practices need insuranceFailure to Refer: Dentists may need to refer patients to specialists for conditions beyond their expertise. Failure to refer, or delays in referral, can exacerbate a patient’s condition, leading to potential claims of negligence.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For dental practices, this insurance is crucial for mitigating the financial risks associated with the provision of dental care and protecting the practice’s reputation. Get a quote on your insurance today.

what types of insurance do dentists need?

General Liability Insurance

General Liability Insurance

This is necessary for dentists with their own facilities. It  covers medical expenses and attorney fees resulting from bodily injuries and property damage your facility or organization could be legally responsible for.

Business owner's policy (BOP insurance)

Business owner's policy (BOP insurance)

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for dentists with small to medium-sized businesses, providing a blend of liability protection and property insurance.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual dentists during their practice. It differs from General Liability insurance, which covers the practice itself. 

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for dentists who use a vehicle for your practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.

Workers Compensation Insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law, to protect dental practices and their employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Contact Dale Nelson now

Dale Nelson, Westwood team member

Dale specializes in insurance for dental groups. You can call him on the number below or fill out the form and he will get your message directly:

we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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insurance for hospitals

Hospital Insurance typically covers all or part of the potential liability for hospital services. It includes medical malpractice, accidents involving hospital employees and equipment, care during surgery or any other invasive treatment, after-hours care arrangements by staff who need help with their children and more.

insurance for long term care facilities

Long term care facilities must protect themselves against potential liability arising from incidents within their facility. Westwood can help you negotiate a package tailored to your long term care facility client.

traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

    Insurance products at Westwood Insurance Group

    You can find more information on the Insurance Products main page.

    If you have any questions on the different policies, check out our Insurance FAQ’s

    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:


    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.