Question 1

What is a common misconception about Professional Liability (E&O) for Dental Offices?

Accepted Answer

Dentists think most malpractice is about clear errors. Many claims involve aesthetic disputes (crowns, veneers) and informed-consent failures rather than gross negligence.

Question 2

What happens if dental offices don't have Professional Liability (E&O)?

Accepted Answer

A failed implant causes nerve damage; settlement $180K. Malpractice pays defense and settlement.

Question 3

What is a common misconception about Cyber Liability for Dental Offices?

Accepted Answer

Dental practices think HIPAA only applies to medical doctors. Dental records are PHI under HIPAA — same notification and penalty exposure.

Question 4

What happens if dental offices don't have Cyber Liability?

Accepted Answer

Ransomware encrypts patient records and imaging. Recovery, notification, OCR investigation: $260K. Cyber pays.

Question 5

What is a common misconception about General Liability for Dental Offices?

Accepted Answer

Frequent patient visits create real premises exposure.

Question 6

What happens if dental offices don't have General Liability?

Accepted Answer

Patient trips on rug — $9K. GL pays.

Question 7

What is a common misconception about Workers' Compensation for Dental Offices?

Accepted Answer

Hygienists have the highest rate of work-related musculoskeletal injuries in dentistry.

Question 8

What happens if dental offices don't have Workers' Compensation?

Accepted Answer

Hygienist needlestick — $14K medical, lost wages. WC pays.

Question 9

What is a common misconception about Commercial Property for Dental Offices?

Accepted Answer

Dental buildouts are expensive — $200K+ commonly.

Question 10

What happens if dental offices don't have Commercial Property?

Accepted Answer

Plumbing leak destroys equipment — $80K. Property pays.

Question 11

What is a common misconception about Employment Practices Liability (EPLI) for Dental Offices?

Accepted Answer

Solo practices think employment claims are rare. Hygienist disputes and discrimination are routine.

Question 12

What happens if dental offices don't have Employment Practices Liability (EPLI)?

Accepted Answer

Terminated hygienist alleges discrimination — $50K. EPLI pays.

Dental Offices Insurance Coverage Guide | RISKX