Surgery and practice overheads insurance


PFM Dental use a specialist healthcare broker to find the right surgery and practice overheads insurance (locum cover) at the right price.

Surgery Insurance

Surgery insurance is often likened to a ‘buildings and contents’ policy and if you are buying a practice you will need to arrange new cover. Our recommended policy will include the following essentials:

  • Property Insurance (where applicable)
  • Contents Insurance
  • Loss of Fees Insurance
  • Employers Liability Insurance
  • Public Liability Insurance
  • Pressure Vessels Insurance (and Inspection)

Practice Overheads Insurance

Many dentists have personal income protection in the event of injury or illness but few consider the ongoing cost of their business overheads such as: rent, replacement staff costs, utility bills, equipment leases, vehicle leases and insurance premiums. Could you continue to cover the fixed costs of your practice and the costs of employing a locum, if you unexpectedly suffered an illness? How would your NHS contract value be affected?

Dental practice overheads insurance is an annual policy which provides a weekly benefit to help with cash flow and fixed expenses. This is includes the cost of a locum, an essential requirement to keep your business going and potentially protect your NHS contract value. .

Already have cover? Our will beat your renewal price by 10%

If you have an existing policy our insurer guarantee to beat your (like-for-like) existing renewal price for practice expenses and surgery insurance cover by 10%

(terms and conditions apply, offer may stop without notice).

As a PFM Dental client you will also benefit from not paying a standard insurance arrangement fee.

Get your quote now!