Dental Practice insurance

Tailored Dental practice insurance that secures coverage for what matters to you

Specialist insurance for dental surgeries

As one of UK's leading insurance brokers, we think it's important to work with a specialist insurance broker, who understands your sector inside out.

Dental practices encounter numerous risk exposures on a daily basis, and we acknowledge each dental surgery's individual challenges. We can offer a policy that covers a large range of risks and safeguards against unanticipated outcomes that may result in a claim which undermines your credibility with patients.

What is Dental Practice insurance?

Dental Practice insurance covers some highly unpredictable events like equipment breakdown, accidental damage to equipment, health and safety accidents and more, depending on your level of cover. It can give you the capacity to look after your practice, personnel, and clients with a peace of mind.

Having the right protection for your exclusive circumstances and possibilities means your dental surgery can be safeguarded if mishaps result in claims and related legal expenses.

What's covered?

From buildings and practice contents to public liability, we can offer policies that meet the specific requirements of your dental practice. Our policy limits can also accommodate the high value machinery and equipment you may need both within and away from the practice.

We can provide you with:

  • Buildings and Contents Insurance
  • Employers Liability Insurance
  • Public Liability Insurance
  • Business Interruption Insurance
  • Legal Expenses Insurance

Get tailored cover for you practice

Our experts are here to take the hassle out of buying insurance

Do you have an existing policy with Howden?

Contact the Howden Health & Care team for more information on Insurance for Dentists & Dental Practices.

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.

Let's talk...

020 3944 1577

We'll put you in touch with the person best equipped to help.

Female dentist looking into a patients mouth

Why choose Howden?

Our insurance cover is designed to meet the needs of dental practices across the UK. We offer tailored policies that can cover a single dental surgery or multiple practices to protect your business and key practice areas.

Howden's policies are custom-made to your requirements, so you don't pay for unnecessary coverage.


We can also help you with Cyber Insurance

Dental practices are increasingly reliant on technology and are entrusted with large quantities of confidential data, therefore face a range of cyber risks that cannot be ignored. Having a suitable protection in place is crucial for those in the healthcare sector when providing care and services to members of the public and storing their personal information.

Large scale cyber-attacks on the NHS are heard of by many, but individual dental practices are not out of cyber criminals’ radar by any means. A cyber breach could affect your ability to operate, costing your business money as well as potentially damaging your long term reputation.

Howden can offer a solid stand-alone Cyber Insurance policy that is designed to minimise and mitigate these risks. What’s more, we can also provide you with additional support like risk management training for staff, incident response support, business interruption cover, recovery of lost funds, legal defence costs and more.


We offer a Dental Practice policy that is bespoke and tailored to your needs and requirements as we appreciate the fact that not all dental organisations function in the same way. This means that you don't have to pay for cover that you don't necessarily need. Speak to one of our friendly experts to learn more about the policy. We are always happy to discuss your circumstances and help you choose the most appropriate cover and optional extras.

Yes, you can. If multiple practices operate under one legal entity, they can be insured under the same policy. Our team of experts can advise you on whether that's the case for you.

A copy of your Employers' Liability Certificate will need to be kept in a printed format in a prominent place well known to staff. You may also wish to keep a digital version in a durable format where it can be easily accessed.

Our Surgery programme features Employers' Liability Insurance.

You should regularly have a survey carried out by a professional and qualified surveyor who will provide you with a report detailing the appropriate rebuilding value for your building.

Most insurers do not provide certificates for Public Liability as there is no legal obligation for this cover. Details of whether this cover is in force and its limit of indemnity are detailed in the schedule.