Business Insurance Requirements for Dentists in North Carolina

In order to practice dentistry in North Carolina, dentists must provide documentation about their education, prior dental practice, exam results, and malpractice coverage history from all current and previous insurance carriers.

While not every state requires malpractice insurance (also called professional liability insurance or errors and omissions insurance) in order to be a licensed dentist, this policy can protect your practice from lawsuit costs if you're accused of professional negligence. North Carolina requires dentists with three or more employees to carry workers' compensation coverage – even if the employees are part-time staff or family members. If you rent your office, your landlord likely will ask you to purchase general liability insurance, which covers third-party injuries and property damage.

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 North Carolina, and start an application to get your free quotes today.

Find the right insurance policy for your dental practice

The most common business insurance for dentists in North Carolina 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.


Business type General liability / BOP Professional liability Workers' comp Commercial auto
Sole proprietor X X   X
Partner X X   X
Contractor / freelancer X X   X
Employer X X 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.

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 a rate typically lower than if you purchased the policies separately.

Professional liability insurance: Professional liability insurance, also known as dental malpractice insurance, is essential to protect your dental practice. Malpractice insurance for a dentist can help cover legal expenses if you’re sued for malpractice in dentistry, including making a mistake in your work or a misdiagnosis.

North Carolina workers’ compensation: If an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages. North Carolina state law requires that you hold a policy if you have three or more employees, regardless of how your practice is structured. While dentistry isn’t a tremendously risky profession, dentists and their staff are exposed to sharp instruments and heavy equipment. Even if you work alone, or only have one or two employees, it’s still a good idea to consider purchasing this policy to protect yourself and your staff.

Business insurance costs for dentists in North Carolina

As a dentist in North Carolina, you’ll likely save on your insurance costs across the board compared to national rates, according to data gathered from Insureon applications.

For example, the median cost of a business owner’s policy in North Carolina is just $998 compared to the median national average of $1,455. Workers’ compensation coverage is equally affordable, with a median cost of $859. The median cost of general liability coverage in North Carolina is the same as the national median: $425. Insureon does not have the data to report the median cost of malpractice insurance for dentists in North Carolina, but the national median cost is approximately $2,250.

Median Insurance Costs for North Carolina Dentists

Save time and money with Insureon

Insureon’s industry-leading technology helps dentists in North Carolina 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 North Carolina 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.