Business Insurance Requirements for Dentists in New York

As home to the first dental laboratory and the birthplace of the American Dental Association, New York has a tradition of being on the forefront of dentistry. New York employs the third most dentists in the United States, with more than 7,700 practicing dentists according to the Bureau of Labor Statistics. It’s a good place to be a dentist, but without the right insurance for dentists, your practice could be crippled by costly dental malpractice lawsuits or accidents.

New York law requires virtually all businesses in the state to carry a workers’ compensation policy. You may also be required to purchase a general liability insurance policy if you lease your office, and because of occasional malpractice in dentistry, many patients may only want to see a dentist who carries dental malpractice insurance, also known as professional liability insurance.

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 New York, and start an application to get your free quotes today.

Find the right insurance policy for your dentistry business

The most common policies for New York dentists vary 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 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: Although New York law doesn't require malpractice insurance for a dentist to practice in the state, professional liability insurance is essential to protect your business. It can help cover legal expenses if you’re sued for mistakes in your work or misdiagnoses.

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.

New York workers' compensation: Workers’ compensation helps provide financial compensation if an employee is injured on the job and forced to take time away from work. In New York, you are required to carry this policy if you have employees. Sole proprietors and independent contractors may purchase a workers’ comp policy for themselves, but they are not required by law to do so.

While dentistry isn’t necessarily a perilous profession, accidents can happen in any workplace. Dentists and their dental hygienists work with a variety of tools and equipment, so cuts, punctures, and related injuries are always a risk, even after careful training. Slip-and-fall injuries can also easily happen in any dental office.

Business insurance costs for dentists in New York

According to data gathered from applications with Insureon, the median cost of insurance for dentists in New York is close to the national median. A workers’ comp policy will cost most New York dentists just under $1,500 annually, while a business owner’s policy will likely run about $950 – about $500 less than the national median cost. General liability costs roughly $425 per year, which is the same as the national median cost.

Median Insurance Costs for New York Dentists

Save time and money with Insureon

Insureon’s industry-leading technology helps dentists in New York 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 New York 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.