Specialty Insurance Policies for Dentists

Sometimes, dentists need specialty insurance policies. At WDIA we understand the nuances of the dental profession and your needs for coverage. More information about frequently requested policies is available here. As always, if you have questions about any type of insurance coverage or rider policy, please get in touch.

Life Insurance

WDIA works with dentists to provide term-life insurance policies. The purpose of term- life insurance is to provide for your loved ones if you no longer can.

We offer a number of policy options. Term-life insurance is usually purchased for a 10, 15, 20 or 30-year term of coverage. Your term-life insurance policy can be used to:

Pay off loans and mortgages.
Provide college funds for your children.
Business transfers and buy-outs.
Create an estate.

Employee Practices

Employment practices liability (EPL) coverage is a wise investment for most practice owners. It can cover attorney fees and other costs if you are accused of a libelous action.

Like all business owners, dentists are vulnerable to lawsuits brought by current and former employees, as well as patients. Some of the most common allegations are discrimination, harassment, wrongful termination, and allegations of patient molestation. When these allegations are brought, an investigation often ensues.

Having EPL coverage assures you access to qualified legal counsel and established resources if you need to defend yourself.

Surety Bonds

There are a few types of Surety Bonds to be aware of for your practice.

ERISA Bonds protect investments in your office pension plan. Your plan 401K administrator will let you know when and what amount of bond is required by law.

Employee Dishonesty Bonds protect you against fraud or theft committed by employees.

DMEPOS Medicare Bonds are required if your dental office is a Medicare Durable Medical Equipment, Prosthetics, Orthotics and Supplies supplier.

MedJet Assist

MedJet Assist is worthy of your consideration if you perform dental care missions, or just love adventure travel.

MedJet Assist is the premier air medical transport membership program for travelers. As a member of MedJet Assist, if you are hospitalized more than 150 miles from home, MedJet will transport you to a hospital of your choice.

MedJet Assist is a membership program you can access through your WDIA broker.

Cyber Security

As a broker, we have access to and can shop the market for the most highly rated cyber insurance policies for you. As insurance experts, we dig into the data, ask tough questions, and understand how to help you find policy options designed to best serve you.

Cyber security insurance covers you in situations of ransomware, cyber breaches, and physical breaches of your IT system. Cyber policies generally cover expenses associated with the notification of your patients, and business associates. Policies usually cover fines, penalties, and legal action associated with a security breach.

What specialty insurance policies does WDIA offer?

WDIA provides specialty coverage including Employer Practices Liability (EPL), surety bonds (ERISA, employee dishonesty, DMEPOS), cyber security / data breach insurance, and even MedJet Assist air-ambulance membership.

These “add-ons” address niche exposures—from employee litigation to international dental missions—ensuring you and your dental practice remain resilient across varied risk scenarios.

What is Employment Practices Liability (EPLI) coverage?

EPLI covers legal defense and settlements if a current or former employee sues for discrimination, harassment, wrongful termination, or related claims.

Given the potential costs of employment-related lawsuits, including attorney fees and awards, EPL safeguards both individual dentists and multi-provider practices against costly litigation.

What are surety bonds and when are they needed?

Surety bonds include ERISA bonds (for pension plans), employee dishonesty bonds, and DMEPOS Medicare supplier bonds; they guarantee against fiduciary breaches, theft, or Medicare compliance issues.

Your plan administrator or Medicare program will specify bond type and amount. Securing the right bond maintains legal compliance and protects patient trust.

What is MedJet Assist and why should dentists consider it?

MedJet Assist is an air medical transport membership that repatriates you to a preferred hospital if hospitalized over 150 miles from home.

Ideal for dentists on international missions or leisure travel, membership covers transport costs and ensures continuity of care, reducing stress for you and your family during emergencies.

What is cyber security insurance for dental practices?

Cyber security insurance covers expenses related to data breaches, ransomware attacks, and IT system compromises, including notification costs, legal penalties, and recovery services.

Given increasing cyber threats and patient data sensitivity, having robust cyber coverage helps you respond quickly to breaches and maintain compliance with HIPAA and other regulations.

What coverage options are recommended for recent dental graduates?

New graduates need malpractice, personal disability (no-income proof policies), and term-life insurance to cover loans and living expenses.

Locking in coverage early offers lower premiums. WDIA guides new dentists through policy selection to secure foundational protection as you launch your career.

What insurance considerations are there when purchasing a dental practice?

Practice buyers should arrange business owners’ policy and personal, loan protection and business overhead disability policies, group medical benefits, and life insurance well before closing—banks and landlords require proof of coverage.

Early engagement ensures loan and lease approvals proceed smoothly, with policies tailored to your new role’s expanded responsibilities and financial exposure.

How does WDIA support the WSDA and the dental profession?

As a subsidiary of the Washington State Dental Association, WDIA directs part of our earned commissions to fund WSDA programs, strengthening advocacy, education, and community initiatives.

Insuring through WDIA not only protects your practice but also contributes to a vibrant, successful future for Washington dentists.