Insurance ​For Dentists

Washington Dentists' Insurance Agency, wholly owned by the WSDA, helps dentists simplify the process of selecting the right insurance at a reasonable price and is the only insurance agency that is specifically geared to meet the needs of Washington dentists, their families, and their staff.

Visit or call (800) 282-9342 to learn about any of the following policies.
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Disability Policies

Personal Disability (10% Discount for WSDA Members!)

Personal Disability is personal income protection, so you would receive benefits equal to a percentage of your pre-disability income if you were to become disabled. This coverage would help you pay your home mortgage, car payments, utility bills and personal expenses while you are disabled. Without this coverage, you would have to rely on savings as you recovered from a partial disability or adjust your lifestyle if you were unable to work or had to enter another profession.

  • 10% Discount for WSDA Members (on select products)
  • Recommended for: All dentists, recent grads

Business Overhead Expense (10% Discount for WSDA Members!)

Business Overhead Expense will cover the expenses in the day to day operations of your business during a short-term disability. Business Overhead Expense can be used to cover: your rent or mortgage payments, staff salaries, electricity and water bills, professional fees, etc. This coverage allows your office to continue running in your absence so that when you recover, your business is as financially secure as when you left it. If you are totally disabled, this coverage allows the office to continue operating as you complete the sale of the practice.

  • 10% Discount for WSDA Members (on select products)
  • Recommended for: Practice owners

Business Loan Protection

Business Loan Protection (also called Business Reducing Term) covers your loan payments if you become disabled. If you are procuring a loan to cover the purchase of a practice, expanding your existing office or purchasing new equipment, loan protection insurance is required by most lending institutions. This coverage protects you from having to repay your loan using your personal disability benefit so that coverage can support your family.

  • Recommended for: Practice owners, dentists purchasing a practice

Professional Liability (Malpractice Coverage)

A Professional Liability Policy covers you should a patient make a claim against you. WDIA’s new preferred partner for professional liability insurance is MedPro Group. MedPro is a Berkshire Hathaway company and is the nation’s oldest and largest provider of dental malpractice insurance. MedPro has a reputation for stellar service that aligns well with WDIA’s commitment to protecting Washington dentists with quality coverage.

Learn more and request a quote at

  • Recommended for: All dentists, recent grads

Business Owners Policy

Business Owners Policy covers property, general liability and financial risks associated with your dental practice. This comprehensive, replacement value policy offers protection for your building, your dental office and contents in the event of a loss as well as business income coverage.  

  • Recommended for: Practice owners, dentists purchasing a practice

​Life Insurance Policy

​Life Insurance provides the funds needed to support a surviving spouse and/or children if the other spouse should die. Life Insurance can help your family to pay off the debt that tends accrue as part of a dental carrier due to student and practice loans. The benefits can also provide funding for a child’s college education, a gift to charity, or to fund an estate.

  • Recommended for: All dentists

​Long Term Care Policy

Long Term Care Insurance helps you meet the cost of your spouse’s and your care should you need assistance with daily living. It gives you the flexibility to choose when and where you receive care. This type of insurance frees you from the substantial financial burden of paying for care while it frees your family from the burden of caring for you at the detriment of their time, finances and physical and emotional well-being.

  • Recommended for: All dentists

​Group Medical Insurance

​Group Medical coverage is a great employee benefit and at this time offers more stability in plans and provider networks than individual coverage. A group medical plan can have 1 or more members. For a 1 member group, the member must be an employee, it cannot be the business owner or their family member.

  • Recommended for: Practice owners

Air Medical Transport

MedjetAssist has an extensive global network of authorized affiliates who can get to virtually anywhere in the world. And they're just as happy to provide travel medical assistance domestically as well—the company's only requirement is that you are hospitalized 150 miles or more from your indicated primary residence. Whether you are hospitalized just a few hours from home in a town you don’t know, or in a foreign country where you don’t speak the language, MedjetAssist can do what others won’t: Get you home, to the hospital you trust.

  • Recommended for: All dentists

​​CyberSecurity Protection

Even if you use state-of-the-art data controls, your assets could still be at risk. That’s why WDIA is offering a CyberSecurity for dental practices insurance policy.
The ever-changing technology your practice relies upon to conduct its business can also significantly increase its vulnerability to cyber security threats — any of which can result in significant out-of-pocket expenses and costs to your reputation that can devastate your practice’s bottom line. Because healthcare organizations are often targeted, WDIA is offering CyberSecurity insurance to safeguard your practice in the event of a data breach.

  • Recommended for: Practice owners

Employer Protection Liability

Employer Protection Liability protects you against claims made by employees alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues, such as failure to promote. 

  • Recommended for: Practice owners



An ERISA Bond will cover 10% of the money in your office pension plan as mandated by Federal requirements. You must have and maintain the bond as long as the pension plan is active.

  • Recommended for: Practice owners

Employee Dishonesty Bond

An Employee Dishonesty Bond protects you from losses suffered due to theft by an employee. Employee theft is far more common than dentists realize and they can be left with thousands of dollars missing and no way to recover it. This bond will reimburse you up to its coverage limit for funds or equipment that is stolen by an employee.

  • Recommended for: Practice owners

Medicare Bond

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