Orthodontic Practice Insurance · Minnesota
Orthodontic practices carry specialized risks beyond general dentistry — long-term patient relationships, high per-case treatment values, expensive CBCT and digital scanning equipment, and bracket inventory that can be surprisingly costly to replace. We work with carriers who understand the orthodontic practice model and build coverage accordingly.
What's Covered
Orthodontic practices carry specialized risks beyond general dentistry — long-term patient relationships, high per-case treatment values, expensive CBCT and digital scanning equipment, and bracket inventory that can be surprisingly costly to replace. We work with carriers who understand the orthodontic practice model and build coverage accordingly.
Covers claims of treatment errors, delayed correction, improper appliance placement, or adverse outcomes during orthodontic care. Includes defense costs even when claims are frivolous. Critical for any practicing orthodontist.
Protects against third-party bodily injury and property damage at your practice — patients, visitors, or vendors injured on your premises, or property damage you inadvertently cause to others.
Covers your CBCT/cone beam imaging unit, intraoral scanners, computers, bracket inventory, and office contents. Replacement cost ensures you get what equipment costs today. CBCT units alone can exceed $100,000 to replace.
Covers repair or replacement when your imaging equipment, compressors, or digital scanning systems fail due to mechanical or electrical causes — events excluded from standard property policies.
Required in Minnesota for practices with employees. Covers orthodontic assistants, treatment coordinators, front desk staff, and sterilization techs for work-related injuries, medical bills, and lost wages.
Orthodontic treatment spans months or years — meaning extensive patient records on file. Cyber coverage handles breach notification, ransomware response, HIPAA regulatory actions, and patient notification costs.
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
Yes. If you practice orthodontics independently, you need a professional liability policy specific to your specialty. General dental malpractice policies may exclude or sublimit orthodontic procedures, and vice versa.
Physical damage from fire or theft is typically covered. However, mechanical or electrical breakdown — the most common way expensive imaging equipment fails — requires a separate equipment breakdown endorsement. We include this in every orthodontic office package.
Most carriers recommend $1M per claim / $3M aggregate for professional liability. Multi-doctor or multi-location practices may need higher limits. We'll review your patient volume and revenue to recommend appropriate coverage.
Yes — most carriers offer multi-location endorsements for orthodontic practices. We can quote your coverage across all locations simultaneously and often secure better pricing than insuring each location separately.
