Insure Your Dental Practice

Yes. Most commercial landlords, lenders, and state dental boards require proof of insurance before allowing you to take possession of your space, begin renovations, or operate clinically. At a minimum, this usually includes general liability, professional liability, and workers' compensation. Refine Risk reviews lease and license requirements to ensure full compliance.

In shared dental settings, responsibilities for insurance coverage can vary. You may still need your own general liability and malpractice coverage, even if the building carries property insurance. We help you clarify what’s included by the facility and what must be insured under your own name or entity.

Yes, in New York, New Jersey, and Connecticut, practice owners may file for exemption from workers’ comp. However, once you hire any staff member, including part-time hygienists or administrative help, coverage becomes mandatory. We handle the exemption filings and help you stay compliant as your staffing grows.

Yes. Dental practices are high-value targets for data breaches because they store personal, financial, and health information. HIPAA regulations require you to notify patients in the event of a breach, and that’s expensive without insurance. Cyber liability covers forensic investigation, legal defense, patient notifications, and regulatory penalties.

Business interruption insurance replaces lost income when your practice must shut down due to a covered event, like a fire, flood, equipment failure, or local utility outage. It helps maintain payroll and lease payments until operations resume. This coverage is especially important for practices with expensive buildouts and fixed monthly costs.

Yes. Many dentists start with a core policy structure and add protections like employment practices liability, commercial auto, or umbrella insurance as they expand. Refine Risk builds scalable programs that evolve with your practice needs, locations, and regulatory environment.