Workers' Compensation Insurance Solutions for Dental Practices & DSOs

Specialized workers' comp coverage for dental professionals

Dental practices and DSOs operate in high-paced, detail-oriented settings where risks to employees are inherent. While dental malpractice insurance covers patient-related claims, protecting your employees and business from workplace injury costs is equally critical.

Workers’ compensation insurance ensures your employees receive medical care, physical therapy, and lost wage replacements after a job-related injury, while shielding your practice from potential legal and financial repercussions.

Why workers’ compensation is essential

State compliance simplified - Most states require workers’ compensation policies for practices with one or more employees. Noncompliance could result in significant fines and legal liabilities.
Liability protection for your practice - Covers the costs of injured employee medical bills, rehabilitation, and wage replacement, while shielding you from lawsuits and penalties.

⚠ Attention Texas Providers: Although workers’ comp is optional in Texas, opting out leaves you potentially liable for injuries—even in no-fault cases. Protect your rights and minimize risk with a compliant policy in place.

Comprehensive coverage for dental-specific risks

With deep experience in the dental industry, we understand the challenges your team faces every day. Our insurance is tailored to protect against the most common and costly risks in your practice:

Repetitive motion injuries - Tasks like scaling and polishing can cause strain over time. Our coverage ensures your hygienists and assistants get the care they need.
Needle-stick and sharps injuries - Accidents with sharp instruments are an occupational hazard. We help manage exposure risks and provide support when incidents occur.
Slip and fall accidents - From wet floors to crowded operatories, slips and falls can happen fast. Our insurance helps cover injuries and related costs.
Biohazard and chemical exposures - Whether it's sterilization chemicals or infectious materials, your team is covered against biohazard exposure risks.
Financial protection you can count on - Our policy includes coverage for medical expenses, rehabilitation, lost wages, and employer defense—giving you the financial security to focus on patient care.

With the right coverage, you can confidently deliver exceptional care and grow your business without worrying about workplace injury risks. Request a complimentary risk assessment today.

Each of these challenges is addressed through tailored solutions so you can continue operating worry-free.

FAQs about workers’ compensation for dentists & DSOs

: Even contractors can trigger liability depending on state laws. Misclassification could leave you responsible for their injury costs.
: No. General liability only protects against third-party claims. Workers’ compensation is specifically designed for employee injuries.
: Yes, we specialize in multi-location, multi-state compliance for DSOs and practices of all sizes.
: Factors include payroll, state classification codes, and claim history. We’ll guide you to achieve the most cost-effective solution.

Why Risk Strategies?

Risk Strategies delivers unmatched expertise and custom insurance solutions designed specifically for the dental industry. We understand the unique challenges Dental Practices and Dental Service Organizations (DSOs) face, and provide coverage that ensures your income, practice, and future are fully protected.

Decades of dental industry experience:
With 30+ years of focused expertise in dental risk management, we offer a deep understanding of the specific challenges dental professionals encounter daily.
Customized coverage options:
Every plan is designed to fit your needs with tailored insurance solutions, offering protection that suits your goals, instead of relying on generic one-size-fits-all policies.
Proactive loss prevention:
We create cost-effective risk management strategies that focus on minimizing exposures, reducing potential disruptions to your practice, and avoiding unnecessary expenses. All steps that ensure every dollar works for you.
Trusted by dental professionals nationwide:
Our longstanding partnerships with dentists reflect our proven ability to safeguard practices while providing support, knowledge, and peace of mind.
Strong carrier partnerships:
Enjoy access to top-rated insurance companies that will provide the best coverage at competitive rates.

Partnering with Risk Strategies means more than having an insurance broker. It means gaining a dedicated ally in managing the risks that could impact your career or practice.

Schedule a consultation today to explore our tailored solutions built to protect your life’s work, so you can focus on delivering exceptional patient care with confidence.