Your professional liability is handled through your college. But the clinic itself — the chairs, imaging equipment, sterilization systems, and the patient records on your servers — is a separate risk picture, and it’s often the underinsured one.
Dental equipment is among the most expensive per square foot of any storefront business, and a clinic that can’t operate doesn’t just lose revenue — it loses booked appointments that took months to fill. Add the privacy obligations that come with patient data, and the clinic side of your insurance deserves as much attention as the professional side.
Park Insurance offers a free Business Insurance Audit for dental clinics — a straightforward review of your clinic coverage, no obligation attached.
Why BC Dental Clinics Need the Right Coverage
- High-value equipment — imaging, chairs, and sterilization systems represent significant replacement cost
- Patient data exposure — clinics hold sensitive health records that make cyber and privacy coverage essential, not optional
- Downtime is expensive — a water leak or equipment failure means cancelled appointments and continuing overhead
- Leasehold investment — operatories and plumbing build-outs in leased space are yours to insure
Core Coverage for Dental Clinics
Clinic Contents & Equipment
Protection for chairs, imaging, instruments, and leasehold improvements against fire, water, and theft.
Cyber & Privacy
Coverage for data breaches involving patient records — response costs, notification, and liability.
Business Interruption
Replaces lost income and covers overhead while a covered loss keeps your clinic from seeing patients.
Frequently Asked Questions
I already have professional liability through my college — do I need this too? Yes. Professional liability covers your clinical practice. It doesn’t cover your equipment, your premises, your patient data systems, or your lost income if the clinic can’t operate. These are separate policies protecting separate risks.
What does cyber coverage actually pay for? Typically breach response, forensic investigation, patient notification, and liability arising from compromised records. For a clinic holding health data, this is one of the fastest-growing risk areas.
What if a water leak from the unit above damages my operatories? Your contents and improvements coverage responds to the damage, and business interruption covers the appointments you can’t see while repairs happen. Coverage limits should reflect true equipment replacement cost.
We’re an associate-model clinic — does that change anything? Ownership and associate structures affect how coverage should be arranged. Bring your structure to the audit and we’ll make sure the right entity is protected.
How It Works
Audit: Send us your current clinic policy for a free, no-obligation review.
Coverage: We build recommendations around your equipment, your data, and your patient volume.
Advocacy: When a claim happens, your Park broker advocates for you through the entire process.
Part of our Main Street Insurance program for local storefront businesses.
Find out if your clinic is properly protected.