Choose a dental practice policy to suit your needs
We offer three different cover options, so you can pick the policy that suits your needs best.
Dental practice insurance
Tailored cover for dental practices and dental laboratories
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Direct access to dental insurance specialists
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Choose from three policies to get the cover that’s right for you
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Access to a dedicated claims team, *claims up to £5000
Get £100 premium discount - quote 100 when you call*
Pressure vessel cover
Essential coverage for busy dental organisations, *excludes damage caused by a hydrostatic, pneumatic or gas pressure test
Business interruption cover for dental practices £4m over 24 months *
* subject to loss, destruction or damage to the surgery as a result of an insured peril
Public and products liability cover
Our policies cover both of these with a limit of £5m as standard
In-house claims team
Claims of up to £5k are handled by our dedicated in-house claims team
What does dental practice insurance cover?
Loss of dental practice equipment
Dental surgery and laboratory contents are covered both within and away from the premises, for example if patients or staff take away equipment for short-term monitoring or working away from the practice, providing it is only temporary.*
*Excludes any item permanently removed from the surgery.
Accidental damage to contents
Cover for damage to general contents including landlords fixtures and fittings and interior decorations, documents and patient records (including reinstatement of these documents), computer disks and tapes, employees and visitors personal effects, precious metals, drugs, medical bags and their contents, stock, works of art, surgery lamps, signs and nameplates.
excluding damage caused by cleaning, dyeing, restoring, adjusting, or repairing.
Employers liability cover for dental practices
Cover for £10m included as standard to help protect you against the cost of compensation claims due to employee illness or injury due to the work they have done for you.
Optional equipment inspection cover
Speak to the team to find out more about other optional cover we can provide for your organisation
How do dental practice claims work?
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
Find your insurance documents and make sure you have all your information at hand, including your policy number.
Call the claims team on 0330 123 5921 or email careclaims@everywhen.co.uk and explain exactly what happened.
Provide photos if requested to help us understand what happened as quickly as we can.
What our customers are saying
Dental practice insurance FAQs
Wondering about something? Don't worry, Everywhen is here to help. We've put together some common questions about dental practice insurance cover to support you every step of the way.
You are required to have employers’ liability insurance if your business has employees. The requirement applies irrespective of whether your staff are full or part time. The insurance covers your legal liability to employees if they are injured at work or become ill as a result of the work they do for you. The policy will cover your legal defence costs and will pay compensation to the employee if you have been negligent.
Our policy provides 24/7 cover worldwide covering a wide range of activities. If your staff member’s hobbies and activities are more adventurous than tennis or football, just let us know and we can cover most activities from scuba diving to skiing.
If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
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Terms and Conditions
*In order to qualify, your Dental Practice must obtain a quote from us as a new customer quoting ‘100’ and then purchase a Dental Practice insurance policy through Towergate Insurance between June-August 2025.
Towergate Insurance accepts no responsibility for incorrectly completed, lost or delayed participation, acceptances or other documents related to the offer. Towergate Insurance reserves the right to suspend, cancel or amend this promotion and/or review these Terms at any time without giving prior notice.
Services provided by the Health and Wellbeing hub are not within the scope of Financial Conduct Authority (FCA) regulation.