Coverage for the chair and the practice.
Dental malpractice, property and liability, cyber and employment coverage for general dentists, specialists and multi-location dental groups.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Professional and business risks together
A dental practice needs malpractice for its dentists and a business package for the office: equipment, build-out, business income and liability for patients who aren't in the chair.
Practices also hold patient health and payment data and employ staff, so cyber and employment practices coverage matter. I shop all of it together.
- Dental malpracticeClaims from treatment.
- Business owner's policyEquipment, build-out and business income.
- Cyber liabilityPatient records and payment data.
- EPLIClaims from employees.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Practice: specialty, locations and years open.
- Providers: dentists, hygienists and assistants.
- Procedures: sedation and surgical work.
- Office: equipment and build-out values.
- Revenue and payroll: annual figures.
- History: current policies and claims.
Dental practice insurance, answered
Does sedation affect malpractice?
Yes. Oral and IV sedation are rated separately and must be disclosed.
Is a business owner's policy enough for the office?
For most practices it covers property and general liability. Malpractice, cyber and EPLI are separate.
Are associates covered?
Employed dentists can be added. Independent associates often carry their own malpractice.
What happens when I retire?
Claims-made malpractice needs tail coverage. Ask before you sell or retire.
Do you offer dental practice insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your practice details. I'll shop it.
Specialty, providers and revenue are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.