insurance for dental labs

Insurance for dental labs

Westwood will work with you to ensure your dental lab clients have the best insurance coverage for every threat they could face.

General Liability Insurance
General Liability insurance cover medical expenses and attorney fees which result from bodily injuries and property damage that your company or organization could be legally responsible for.

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Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance (E&O) and medical malpractice insurance, protects your business against claims of negligence, malpractice, errors, and omissions which may have occurred during the fulfillment of a professional service.

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Directors and Officers Liability (D&O) insurance

D&O insurance (Directors and officers liability insurance), shields the personal assets of company directors and officers, and where necessary, their spouses, from claims which could arise as a result of the decisions they made and actions they took within the scope of their regular duties.

Cyber insurance

Cyber liability insurance covers the financial costs associated with a breach of your cyber security, such as a ransomware attack. It also covers first party costs including event management, data restoration, financial costs to third parties, network interruption, and cyber extortion.

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HNO Insurance

HNOA, (hired non-owned auto insurance) is designed for organizations who regularly hire vehicles or require employees to use their own vehicles in the course of their work. In the case of an accident where your employee was liable, it could cover physical damage to that other person’s vehicle, medical expenses, the cost of hiring an attorney to defend your business.

Workers’ Comp. Insurance

Workers’ compensation insurance covers your employees for workplace injuries or illness. It provides them with medical and wage benefits.

This coverage is mandated by each state, with the wage and medical benefits varying from state to state. Workers compensation also protects business owners from civil suits by workers who become injured on the job.

Employment Practices Liability

Employment practices liability insurance (EPL insurance or EPLI), covers employers (PDF) against claims made by employees for:

  • Discrimination (based on sex, race, age or disability, for example)
  • Wrongful termination
  • Harassment
  • Failure to promote and other employment-related issues
Environmental Liability insurance

Environmental Liability insurance is liability insurance specifically designed to protect environmental liabilities. This is a specialized form of general, commercial liability insurance that provides financial protection against litigation and clean-up costs resulting from claims of injury or damage caused by pollution, contamination or hazardous waste disposals. 

Property Insurance

Property Insurance covers unexpected damage or loss to property. The policy can be purchased to cover both structures and contents, which are separate policies in many cases. Property Insurance covers physical structures, not land. Medical facilities and aged care facilities need property insurance to cover the real property and all fixed items such as furniture, medical equipment, art works and tapestries.

Crime Insurance

Crime Insurance covers the insured party a reimbursement if their property is damaged due to a crime. Crime Insurance usually has a huge range of options and comes in different forms. It can be either a rider that can be attached to the existing insurance policy, or it is available as a completely separate product.

Auto Insurance

Auto insurance is  a type of liability insurance coverage, usually mandated by law, for all mechanically propelled vehicles. It provides protection against losses resulting from traffic accidents and against liability that could also arise therefrom. A medical or aged care facility would typically have auto insurance on their fleet of vehicles as  well as for any vehicles transporting patients to and from the facility.

Fully/Partially Funded insurance

Partially Funded insurance gives facilities the opportunity to pay a set premium for, and then in turn is  partially covered for specific risks.

Fully Funded Insurance allows facilities to pay premiums to have coverage against all risks. In return, if they are unfortunate enough to incur any of the covered loss or injury, they are reimbursed their insurance policy amount.

Excess and umbrella coverage

Excess coverage provides an additional layer of protection over and above what an underlying policy provides. It applies to a single policy only.

An umbrella policy on the other hand, provides additional liability coverage over and above what is provided by a number of underlying policies.

Sourcing the right insurance for dental labs is essential in today’s challenging climate


Sourcing the best insurance for dental labs is essential as they face a number of challenges:

  1. Competition: With an increase in the number of dental labs, competition for business has increased.

  2. Changing technologies: Dental technology is constantly evolving, which requires dental labs to continuously invest in new equipment and training for their technicians.

  3. Labor shortage: The dental lab industry faces a shortage of skilled technicians, which makes it difficult to find and retain qualified personnel.

  4. Rising costs: The cost of dental materials, equipment, and labor is constantly increasing, making it difficult for labs to maintain profitability.

  5. Quality control: Maintaining consistent quality standards can be challenging, especially with a shortage of skilled technicians.

  6. Compliance: Dental labs must comply with a range of regulatory requirements, including FDA regulations, HIPAA, and OSHA standards.

  7. Digitalization: The shift towards digital dentistry is changing the traditional processes and procedures in dental labs, and labs must adapt to keep pace with the changes.


Dental Labs should have several types of insurance coverage to protect themselves from liability and other risks. These include:

  1. General Liability Insurance: This covers third-party claims for property damage or bodily injury that occurs on the lab’s premises.
  2. Professional Liability Insurance (Errors and Omissions Insurance): This covers claims arising from errors, omissions, or malpractice in the delivery of dental laboratory services.
  3. Product Liability Insurance: This covers claims arising from defects or problems with dental products produced by the lab.
  4. Workers’ Compensation Insurance: This covers medical expenses and lost wages for employees who are injured or become ill as a result of their work in the lab.
  5. Cyber Liability Insurance: This covers the costs of responding to a data breach or cyberattack, including notification expenses, credit monitoring, and legal defense.
  6. Business Interruption Insurance: This covers lost income and expenses if the lab must temporarily close due to a covered loss, such as a fire or natural disaster.
  7. Equipment Breakdown Insurance: This covers the cost of repairs or replacement of equipment if it fails due to a covered cause, such as a mechanical breakdown or electrical failure.

It’s important to note that coverage needs will vary depending on the size, location, and type of dental lab, so it’s best to consult with an insurance professional who works with a good broker like Westwood Insurance to determine the right coverage for your specific needs.

advice for insurance agents approaching dental labs

An insurance agent should approach the owner or manager of a dental lab to sell insurance.

The agent can also approach the lab’s human resources department, as they may be responsible for managing employee benefits and risk management for the company.

In order to make a successful sale, the insurance agent should be knowledgeable about the specific risks and insurance needs of dental labs and be able to effectively communicate the benefits of the insurance coverage they are offering.

They should also be able to provide information on the different types of insurance policies available and help the lab determine which policies would be most appropriate for their needs.

Additionally, the agent should be able to establish a relationship of trust with the dental lab and understand their unique business operations and goals, so they can provide customized insurance solutions that meet the lab’s specific needs.

For help with approaching Dental Labs, contact Michael Richards using the form, below

Contact Michael Richards now

Michael Richards, Westwood team member

Michael specializes in insurance for this particular group. 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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