Dental Practice Insurance | PrimeWest Insurance Brokerage
DENTAL PRACTICE INSURANCE · PRIMEWEST INSURANCE BROKERAGE

Business Insurance Built for Dental Practices

From general dentistry and orthodontics to oral surgery and pediatric offices, PrimeWest compares coverage from multiple carriers to protect your practice’s equipment, patient data, and staff — not just your chairs.

This is business insurance for the practice — not a patient dental benefits plan.
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Multiple Carriers Compared California License #0G66580 (800) 433-1372

Get Your Dental Practice Quote

Tell us a little about your practice and we’ll get to work.

Practice types we insure: General Dentistry Orthodontics Oral & Maxillofacial Surgery Pediatric Dentistry Periodontics Endodontics Prosthodontics Cosmetic & Dental Spas
Coverage Designed Around Your Practice

The Coverage Lines Most Dental Practices Actually Need

Every practice operates differently. We build a program around your specialty, equipment, staff size, and day-to-day operations — not a one-size-fits-all policy.

Malpractice & Professional Liability

Protection against claims arising from patient care, including defense costs, license defense reimbursement, and HIPAA breach response — compared across carriers to fit how your practice actually operates.

Business Owners Policy & Equipment

Chairs, CBCT and digital imaging, lasers, and sterilization equipment add up fast. We help make sure your policy reflects replacement cost — not just what the practice was worth when it opened.

Cyber & Data Breach Coverage

A breach of patient records is a HIPAA event — the notification, fines, and defense costs are real. Most general liability policies don’t include this automatically; we make sure yours does.

Employment Practices Liability (EPLI)

Even a small team creates exposure. A wrongful termination or harassment claim is expensive to defend regardless of merit — EPLI coverage is inexpensive and frequently missing.

Protecting dental practices across California
Coverage Checklist

Three Things Worth Checking on Your Practice’s Policy

Whether or not you ever work with us, these are the most common gaps we find when we review a dental practice’s insurance program.

Equipment Value

Chairs, CBCT and digital imaging, lasers, and sterilization equipment add up fast — often more than the policy limit set when the practice opened. If it’s insured at actual cash value instead of replacement cost, a loss could leave a large gap.

Patient Data

A breach of patient records is a HIPAA event, and the notification, fines, and defense costs are real. A lot of practices assume their general policy covers this. Most don’t without a cyber endorsement.

Your Staff

Even a small team creates employment-practices exposure — a wrongful termination or harassment claim is expensive to defend regardless of merit. EPLI coverage is inexpensive and frequently missing.

Common Questions

Dental Practice Insurance, Answered

Is malpractice insurance required for dental practices in California?
It’s not always legally mandated for every associate or hygienist, but most practices carry their own policy directly rather than relying solely on an employer’s or associate’s coverage — gaps between individual and practice-level policies are common. We can help you see where your current setup may leave exposure.
What does a typical dental practice insurance program include?
Most practices combine a few coverages: malpractice / professional liability, a business owners policy (BOP) for the office, equipment, and building contents, and often cyber and employment practices liability (EPLI) as add-ons. We build the combination around what your practice actually owns and how it operates.
What’s the difference between claims-made and occurrence coverage?
Claims-made policies are typically less expensive but only respond to claims filed while the policy is active — moving carriers or closing the practice usually requires “tail” coverage. Occurrence policies cost more upfront but cover any incident that happened while the policy was in force, indefinitely. We’ll walk through which fits your situation.
Does cyber coverage really matter for a dental office?
Yes — patient records are protected health information, and a breach triggers HIPAA notification requirements, potential fines, and legal defense costs. Many general liability or BOP policies don’t automatically include this; it’s usually a separate endorsement.
How long does it take to get a quote?
Most practices can get a comparison across our carrier panel within a few business days of sending us basic information about the practice — locations, staff count, equipment, and current coverage if you have it.

Get Your Dental Practice Insurance Quote Today

PrimeWest compares coverage from multiple top-rated carriers to help you find malpractice, BOP, and cyber protection built around your practice.

Get a Quote for Your Practice Speak with a Specialist