Business Insurance Requirements for Dentists in California

As with all medical professions, dentistry inherently comes with risks to your practice and your career. Dentistry insurance can help mitigate that risk. Specific policy needs will vary between practices, but there are several policies that all California dentists should consider.

One of the main concerns for dentists is dental malpractice insurance (also called professional liability insurance or errors and omissions insurance). While not required by law in California, lawsuits for malpractice in dentistry are a constant threat to the survival of your practice. California law requires every business with employees to carry a workers’ compensation insurance policy. A general liability insurance policy may also be required by your lease agreement to protect your office and property.

Insureon makes shopping for insurance easy with industry-leading technology that gathers quotes from top U.S. carriers to fit your business needs. Read more to find out which policies are most common for dentists in California, and start an application to get your free quotes today.

Find the right insurance policy for your dental practice

The most common policies for California dentists vary depending on a variety of factors, including revenue, client contracts, and partnerships. The table below illustrates which policies might work best for your business size.


Business type General liability / BOP Professional liability Workers' comp
1099 or independent contractor X X  
Business owner with employees X X X

Solo business owner
X X  


General liability insurance: General liability insurance is the foundation of a dentist’s business protection, with coverage that extends to bodily injury, client property damage, advertising injury, and the cost of legal defence. Most commercial leases require you to have this coverage.

Business owner's policy (BOP): Dentists sometimes qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability at an affordable rate.

Professional liability insurance: Although California law doesn't require dentists to purchase professional liability coverage to practice in the state, this policy is essential to protect your business. It can help cover legal expenses if you’re sued for misdiagnoses or mistakes in your work.

California workers' compensation insurance: California state law requires all businesses with employees to carry workers’ compensation coverage. If an employee is injured on the job, workers’ comp can help pay for their medical fees and lost wages. Sole proprietors and independent contractors in California can choose to purchase a policy for themselves, but it’s not required.

The most common workplace injuries for dentists in the United States, according to the U.S. Bureau of Labor Statistics, are accidents, whether falling or an injury caused by equipment, and overexertion.

Business insurance costs for dentists in California

The cost of insuring your dental practice in California can vary significantly from median national costs. According to data gathered from Insureon applications, workers’ comp policies cost significantly more in California, with the median policy costing approximately $3,050, versus the national median cost of roughly $1,500.

This is balanced by lower median costs in California for both a business owner’s policy and malpractice insurance for dentists, which are significantly less costly than the national median. The median cost for a BOP in California is $1,069, and malpractice insurance typically costs about $1,100 per year. General liability median costs are typically the same in California as they are nationwide – approximately $425 per year.

Median Business Insurance Costs for California Dentists

Save time and money with Insureon

Insureon’s industry-leading technology helps dentists in California save time and money shopping for insurance by comparing policies from dozens of top U.S. carriers. Simply apply online and review quotes for the policies that best fit your business needs. Our insurance specialists are licensed in California and can answer your questions as you consider coverage.

To make the application go even quicker, have this information ready:

  • Workforce details, such as the number and types of employees.
  • Current and projected revenue.
  • Business partnerships.
  • Insurance history and prior claims.
  • Commercial lease insurance requirements.

Apply for free dentistry insurance quotes today.