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Insurance for Dental Surgeries

Key features:

  • A range of insurance policies to cover either a single dental surgery or multi site groups
  • Protecting you against the loss of, or damage to, buildings, contents and surgery equipment
  • Interruption to business and loss of income cover 
  • Cover for loss or damage to refrigerated drugs and vaccines
  • Protect against liability claims from employees and third parties
Why choose us?

Guiding you through the complexity of business insurance is our primary goal

Your surgery is exposed to many risks and trying to identify these to find the right protection can be a minefield. From calculating adequate levels of cover through to understanding the insurer terms of agreement, you may be paying for something that does not serve you when you need it the most.

Not only that, being under insured could mean a shortfall in your payout should you need to claim. Through conducting surgery appraisals, we identified that 92% of surgeries had incorrect cover^

Talk to our specialist consultants to find the best cover that suits your business needs.

Our consultants will discuss your needs and cover such as:

  • Public Liability - with a £5m/£10m limit of indemnity
  • Employers' Liability - with a £10m limit of indemnity
  • Refrigerated drugs and vaccines - up to £15,000 at any one location with the option to increase if required
  • Business Interruption - loss of income and additional expenses covered for 12, 24 and 36 month claim periods up to £3 million with the option to increase if required
  • Legal Expenses - cover automatically provided for up to £100,000 for things such as employment disputes, legal defence, contract disputes and tax protection
  • Computer breakdown - including cover for computer viruses and hacking
  • Accidental damage to buildings - with cover including fire, theft, vandalism, impact, storm, flood, subsidence, heave and landslip
  • Accidental damage for contents - covering losses from causes including fire, theft, vandalism, impact, flood and water damage with excesses as low as £250 for all claims, including escape of water incidents

^Data  taken from 35 surgery appraisals conducted between January and December 2016

Optional extras

Optional features available to enhance your cover, at an additional cost:

Engineering policy - Machinery inspection and equipment breakdown cover for autoclaves and compressors including:

  • Your own surrounding property damage caused by explosion of pressure plant
  • Hire of replacement equipment following an indemnifiable loss and all risks cover on said equipment
  • Clean up costs for insured property affected by hazardous substances
  • Engineers' fees incurred during repair investigations or tests following an incident


Excess Protection
- should you need to make a claim on your insurance policy; you can claim your excess following successful settlement of your claim.  You choose the upper limit the policy will pay out - typically £250 or up to a combined limit of £2,500.

Surgery Emergency Assistance - If you need a little extra help in case of an emergency, our Surgery Assistance Plus cover offers a number of benefits including:

  • Up to £1000 for parts and labour from an approved tradesman
  • 24/7 emergency helpline available 365 days of the year
  • Plumbing and burst pipe insurance
  • Cover for drainage problems, electrical breakdown, broken or damaged windows

Business travel
- covers all employees for business travel, medical expenses cover up to
£1 million and cancellation cover up to £2,000
Our service promise

Our service promise

Provide expertise - Our consultants have years of experience working with key individuals responsible for ensuring the business runs uninterrupted.

Advice and guidance - helping your business create an insurance policy that is individual to you.

Reduce complexity - Where necessary, we will appoint an appraiser to conduct a walkthrough of your surgery and assess your insurance needs. We have found time and again businesses are left under insured as the cover needs are not always up to date

Search the market - we work with providers such as Aviva, Hiscox and Sterling giving you access to specialist business insurance underwriters and syndicates, which often aren't accessible to the general public.

Explain the small print - Insurance documents can be complicated and it's easy to overlook the small print. We will inform you of vital exclusions and limitations and talk you through the claims process when you need it.

Service all year round - Whether you need our assistance on a claim or simply want to discuss insurance needs as part of your business growth, we will be on hand to offer any advice or point you in the right direction. At renewal we will re-assess your needs, search the market and offer a policy that is suitable for the forthcoming year.
Call us on 0121 200 9617 Monday to Friday 9.00am - 5.00pm

Alternatively fill in our proposal form and we'll call you back.

'WESLEYAN’ is a trading name of the Wesleyan Group of companies.

Wesleyan Assurance Society and Wesleyan Bank Ltd are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Wesleyan Financial Services Ltd, Wesleyan Unit Trust Managers Ltd, Syscap Ltd, Practice Plan Ltd and DPAS Ltd are authorised and regulated by the Financial Conduct Authority.  Advice about investments, insurance and mortgages is provided by Wesleyan Financial Services Ltd.

Click for more information about the Wesleyan group of companies.

© 2017 Wesleyan Assurance Society