Business Insurance Requirements for Dentists in Michigan

With a population of almost 10 million, there are plenty of opportunities for a dentist to set up shop in Michigan, either with a group practice or independently. Michigan also has the benefit of two dental schools – one in Detroit and one in Ann Arbor – that continue to produce talented young dentists and offer post-graduate learning opportunities. Whether you focus on kids and cavities in the suburbs of Grand Rapids or install veneers in Traverse City, one fact holds true: business insurance can help protect your practice from lawsuits and other risks.

Your level of risk depends on how your practice is set up, how it operates, and the type of procedures you do at your facility. Michigan state law requires workers’ compensation insurance for any business that employs three or more people at one time, regardless of how many hours they work. If you lease a commercial property, chances are you’ll be required to have general liability insurance and/or commercial property insurance as part of the terms of your lease.

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

Find the right insurance policy for your dental business

The most common insurance for dentists in Michigan varies depending on a number 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 Malpractice / 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 defense. Most commercial leases require you to have this coverage.

Professional liability insurance: Also called errors and omissions insurance or malpractice insurance for dentists, this coverage can help with legal expenses if you’re sued for mistakes in your work or other malpractice in dentistry claims.

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.

Michigan workers' compensation: In Michigan, state law requires every business with three or more employees to have workers’ compensation insurance. If you’re a sole proprietor or a freelance/contract dentist, you have the choice of whether or not to buy the insurance for yourself. If you or an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages.

While dentistry isn’t one of the most risky professions, accidents happen. Dentists work with sharp tools and equipment; slips and falls are also a risk, especially in a facility where cleaning is required after each patient.

Business insurance costs for dentists in Michigan

Not only do Michigan dentists have a wide pool of dental patients, they are also lucky for another reason: median insurance costs in the Wolverine State are typically below the national median. Michigan dentist insurance prices are also lower than the national median for workers’ comp, BOP, and malpractice policies, and at the same rate for general liability coverage. Malpractice insurance will normally cost Michigan dentists the most, roughly $2,200 annually, while general liability typically costs the least, at approximately $425 each year. A BOP will usually cost about $1,400, while workers’ comp will run Michigan dentists around $1,100 annually.

Median Insurance Costs for Michigan Dentists

Save time and money with Insureon

Insureon’s industry-leading technology helps dentists in Michigan 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 Michigan 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 dentist insurance quotes today.