Over the years, we’ve spoken with hundreds of dental laboratory owners across the country.
Almost every one of them tells us the same thing:
“I already have insurance. I should be covered.”
And most of the time, that’s only partially true.
What we’ve consistently seen is that many labs are covered for what they used to do — not for how they operate today.
Let’s walk through a few of the biggest gaps we regularly come across.
This is the first thing we check when reviewing a lab’s coverage.
In many cases, it’s either:
The reality is, most standard policies are built around product exposure, not professional advice.
But today, labs are:
If something doesn’t go as expected, the question becomes simple:
Who is responsible?
And more often than not, the lab gets pulled into that conversation.
We’ve seen situations where labs didn’t think cyber insurance applied to them at all.
But think about what you handle every day:
All it takes is one incident — a phishing email, a stolen device, or ransomware — and suddenly you’re dealing with:
Most traditional policies won’t respond to that.
This is another area where we see confusion.
If your team is:
You’ve stepped outside the typical “lab-only” exposure.
We’ve reviewed policies where coverage applied only inside the lab.
Once work moved offsite, there was no protection.
That’s not something you want to discover after a claim.
A lot of lab owners assume their product liability has them fully covered.
It doesn’t.
As soon as your role includes input, planning, or recommendations, you’re in a different risk category.
We’ve also seen labs underestimate what happens when operations stop.
Whether it’s:
Even a short interruption can impact:
This is another area where coverage is often either missing or insufficient.
What we tell every lab owner is simple:
Insurance should reflect how your lab actually operates today — not how it operated five years ago.
If you’re:
Then your coverage needs to evolve with you.
Otherwise, the gaps only show up when it’s too late.