Healthcare Business Insurance · Minnesota
Dental practices face risks that go well beyond a general business policy — patient treatment claims, expensive chair and imaging equipment, HIPAA-regulated patient data, and staff injuries. As an independent agency, we work with carriers who understand the dental practice environment and build coverage packages that fit how you actually operate.
What's Covered
Dental practices face risks that go well beyond a general business policy — patient treatment claims, expensive chair and imaging equipment, HIPAA-regulated patient data, and staff injuries. As an independent agency, we work with carriers who understand the dental practice environment and build coverage packages that fit how you actually operate.
Covers claims alleging errors, omissions, or negligence in dental treatment — including defense costs. Essential for any practicing dentist, and often required by lenders, landlords, and hospital credentialing.
Protects against third-party bodily injury and property damage claims at your practice — a patient slip in the waiting room, property damage at a neighboring suite, or a vendor injured on-site.
Covers your dental chairs, X-ray and imaging equipment, instruments, computers, and supplies. Replacement cost coverage ensures you get what equipment actually costs today, not its depreciated value.
Bundles property and general liability into one streamlined policy — usually the most cost-effective option for smaller dental practices. Includes business income coverage if a loss forces a temporary closure.
Required in Minnesota for any practice with employees. Covers work-related injuries to hygienists, assistants, sterilization techs, and front desk staff — medical bills, lost wages, and rehabilitation costs.
Patient records, insurance billing data, and payment information make dental offices a target. Cyber liability covers breach notification costs, ransomware response, regulatory fines, and patient notification expenses.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We understand the coverage needs of dental and orthodontic practices — from malpractice to equipment breakdown to HIPAA cyber liability — and make sure nothing is missed.
We compare across multiple carriers who write professional liability and business insurance for healthcare practices, so you get competitive pricing without shopping it yourself.
If a malpractice claim or property loss occurs, we help you navigate it. You work with the same agent who placed your coverage, not a different rep each time.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Not required by state law, but it is expected by lenders financing practice purchases, landlords leasing office space, and hospitals or clinics granting credentialing privileges. It is also the most important coverage for any practicing dentist.
A Business Owner's Policy bundles property and general liability into one discounted policy — typically the best fit for smaller practices. Larger practices or those with higher property values may need standalone policies with higher limits and more customization.
Standard property covers damage from fire, theft, and certain perils. Equipment breakdown coverage is a separate endorsement that covers mechanical or electrical failure of your chairs, compressors, autoclaves, and imaging equipment. We strongly recommend it for dental offices.
Premiums vary by practice size, annual revenue, number of providers, and claims history. A solo general dentist typically pays $3,000–$7,000 per year for a complete package. We shop multiple carriers to find your best rate.
