Commercial Dental Liability Insurance
Cultivating a great place to work and a pleasant patient experience is one of your top priorities as a dental practice owner. Unfortunately, operating a dental business also comes with the risk of potential claims and lawsuits against your business, from both staff and customers.
PM Dental Protect© products help protect your business from claims and lawsuits through commercial dental liability insurance. Commercial liability coverage helps you recover from the cost of defending your practice against claims and losses.
Liability Insurance for Dental Practices
Dental practice owners could face liability claims that allege you, your employees, or your products and services caused injury to someone or their property. Even an unfounded claim could lead to thousands of dollars in legal costs to defend your business. PM Dental Protect commercial liability coverage helps you defend your business against these potential claims or lawsuits.
Protection for Dental Practices of All Sizes
PM Dental Protect policies protect dental practices of all sizes. We're proud to offer coverage options for single-dentist practices to large, multi-location practices, and everything in between, including:
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Individual dentists
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Multiple dentists within one practice who want one policy
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Small groupsLarge groups
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Corporate-operated practices
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Entities
Get More from Your Commercial Liability Insurance
A PM Dental Protect policy is more than just liability insurance for your dental practice. Our policies include premium tools and resources that make protecting your business easier than ever, such as:
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Quarterly webinars
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On-demand education, with CE available
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One-on-one consultations
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Risk management insights from an on-staff licensed dentist
What's Included in Commercial Dental Malpractice Insurance?
PM Dental Protect dental liability insurance covers many potential liability claims for dental offices. Using the experience of trusted dental professionals, our policies include coverage for common incidents that may occur on your premises, during dental procedures, or risks from the products you sell.
Commercial dental malpractice insurance generally covers:
- Bodily injury
- Damage to the property of others
- Personal and advertising injury
- Fire legal liability
- Medical payments
- Punitive and exemplary damages (where permitted by law)
- Legal and defense costs*
*Legal and Defense costs may be included in the limit of liability or in addition to the limit of liability.
Strengthen Your Commercial Liability Insurance
Liability protection needs for dental practices extend beyond standard dental malpractice insurance. Additional coverages can help strengthen your PM Dental Protect policy for more comprehensive liability protection.
Additional coverage options to consider include:
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Cyber Liability Coverage: Cyber coverage protects your dental practice from the cost of data breaches, criminal cyber-attacks, and other cyber or data-related losses.
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Sexual Misconduct and Physical Abuse: Coverage to help you navigate and defend against allegations of abuse, including sexual abuse, molestation, and physical abuse.
- Employment Practices Liability Insurance (EPLI): Employment practices coverage protects against claims like wrongful termination, discrimination, retaliation, or harassment.
Create Comprehensive Coverage for Your Dental Practice
Dental practice owners can get even more out of their PM Dental Protect policies by bundling additional policies and coverages for comprehensive commercial coverage. Common coverage options for dental business owners include:
- Package Coverage: These policies combine general liability and commercial property protection into one convenient policy, with tailored options for many business sizes.
- Commercial Property: Commercial property coverage insures your buildings, business equipment, and signage to protect your physical assets from loss.
- Workers Compensation: Workers compensation coverage helps you cover costs related to employee injuries at work, such as lost wages or medical bills.
- Commercial Auto: This coverage helps cover the costs of losses related to vehicles used for work, such as delivery vans or company-owned commuter vehicles.
- Commercial Umbrella: A commercial umbrella policy provides an additional layer of liability coverage above your standard liability coverage limits.
Why Dental Practice Owners Trust PM Dental Protect
You've put in the work to build your dental business. Now, it's time to protect it from liability claims. PM Dental Protect gives you peace of mind knowing that your coverage was built by dental and insurance professionals and is backed by a company that's been protecting healthcare businesses for over a century.
Dental practice owners are choosing PM Dental Protect policies to protect their legacies. Here's why:
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Over 115 years of experience protecting healthcare business owners, including dentists.
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An on-staff, licensed dentist to address and mitigate real risks you might face.
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An experienced claims team and defense counsel for fast, reliable claims service when you need it most.