Dental Insurance Rates
How Much is Business Insurance for Dentists?

Dentist insurance can protect your practice from lawsuits, property losses, and other disasters that could force you into bankruptcy. In a slip-and-fall lawsuit, you could be sued for thousands of dollars in medical costs and pain and suffering. By getting dentist insurance, you can cover your business from these costs and fulfill legal insurance requirements for coverages like Workers' Comp.

Let's look at some sample cost estimates that will give you a rough idea of what you'll pay in insurance premiums for dentist insurance.

Note: Sample insurance quotes are only ballpark estimates. Premiums may vary.

HOW MUCH IS
General Liability Insurance?

How Much Does General Liability Insurance Cost?

A dentist's General Liability Insurance policy covers third-party lawsuits over slip-and-fall accidents, bodily injuries, property damage, and reputational injuries. These lawsuits are some of the most common and unavoidable liabilities for a dentistry clinic. Say a chair breaks when a patient sits down in your waiting room. The patient shatters her wrist in the fall. In this situation, your business can actually be liable for the injury. General Liability Insurance can pay your legal costs, covering your lawyers' fees, court expenses, and any damages you owe to an injured party.

The average rate for a General Liability Insurance policy for dentists with a $2M policy limit and a $1M per-claim limit is $448.33, with a median rate of $448.33 A dental General Liability policy typically costs $425 to $440.

To see how the cost of dental General Liability Insurance compares with other industries, visit Insureon's 2014 Business Insurance Cost Analysis New browser window icon..

Average Premium Rates on General Liability Insurance Policies for Dentists
Name USD

Per claim limit:

$1,000,000

Policy Limit:

$2,000,000

Mean policy premium:

$448.33

Median policy premium:

$448.33

HOW MUCH IS
a BOP?

What Does a Business Owner's Policy Cost?

Dentists can save money on their insurance premiums by purchasing a Business Owner's Policy, which bundles General Liability and Property Insurance together at a reduced cost. In addition to getting lawsuit coverage contained in the General Liability policy, you'll get Property coverage to insure all your dentistry equipment, tools, and other business property. Given how expensive a dentist's supplies can be, this policy offers you important coverage, reimbursing you for theft, fire damage, and other property loss scenarios.

The average rate for a dentists's Business Owner's Policy in which the General Liability component has a $2M policy limit and a $1M per-claim limit is $1,025.00, with a median rate of $853.50. A dental BOP typically costs $663 to $1,825.

Average Premium Rates on Business Owner's Policies for Dentists
Name USD

Per claim limit:

$1,000,000

Policy Limit:

$2,000,000

Mean policy premium:

$1,025.00

Median policy premium:

$853.50

HOW MUCH IS
Workers' Comp?

How Much Is Workers' Compensation?

Do dentists need Workers' Compensation Insurance? It depends on your state Workers' Comp requirements. In most states, all businesses that employ a few employees will need Workers' Comp (also called Workman's Comp). This policy pays for an employee's medical bills and physical therapy if they're injured on the job. Workers' Comp also covers some of an employee's lost wages if they are unable to work for an extended period of time.

The average rate for a dental Workers' Compensation Insurance policy with a $1M accident limit, a $1M disease limit, and a $1M employee limit is $958.18, with a median rate of $954.00. Workers' Compensation Insurance for dentists typically costs $500 to $1,800.

Average Premium Rates on Workers' Compensation Insurance for Dentists
Name USD

Accident limit:

$1,000,000

Disease limit:

$1,000,000

Employee limit:

$1,000,000

Mean policy premium:

$958.18

Median policy premium:

$954.00

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To get free quotes on dentist insurance, use our online insurance application. After submitting the app, one of insureon's dentist insurance agents will email you a variety of coverage quotes.

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