Business Insurance Requirements for Dentists in Pennsylvania

Dentists face certain risks when dealing with patients. A simple mistake while filling a cavity could result in a malpractice lawsuit that could permanently harm your business. Malpractice insurance, also known as professional liability insurance or errors and omissions insurance, can cover your legal expenses if a patient files a malpractice in dentistry claim against your practice.

Dentists in Pennsylvania are legally required to carry malpractice insurance at a minimum of $1 million per claim. Proof of coverage must be presented to Pennsylvania’s State Board of Dentistry as part of your license renewal. Workers' compensation insurance is also mandatory if your dental practice has any employees, even if they’re just part-time help or a family member.

You might also want to consider a general liability insurance policy, which can cover third-party lawsuits over property damage or injury, among other things. The policy can pay for your legal costs, as well as any damages you owe to an injured party.

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

Find the right insurance policy for your dental practice

The most common policies for dentists vary depending on key 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. This coverage 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. It can help cover legal expenses if you’re sued for malpractice in dentistry, including making a mistake in your work or a misdiagnosis.

Pennsylvania workers’ compensation: If an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages. Pennsylvania state law requires that you carry coverage for any worker, even if you only have one part-time worker.

As a dentist, both you and your employees are exposed to repetitive movements, heavy equipment, and dental tools – all of which can result in injury. According to the U.S. Bureau of Labor Statistics, the most common cause of work-related injuries for dentists is contact with an object or equipment, followed by falls, slips, and trips.

Business insurance costs for dentists in Pennsylvania

According to data gathered from applications with Insureon, dentists in Pennsylvania can typically expect to pay $425 for general liability insurance, which is the same as the national median average. If they opt for a BOP, the median cost for Pennsylvania dentists is about $550, which is roughly $900 less than the national median – a pretty substantial savings.

A workers’ compensation policy in Pennsylvania will cost dentists around $1,664, which is close to $200 more than the national median cost. Insureon does not have the data to report the median cost of malpractice insurance for dentists in Pennsylvania, but the national median cost is approximately $2,250.

Median Insurance Costs for Pennsylvania Dentists

Save time and money with Insureon

Insureon’s industry-leading technology helps dentists in Pennsylvania 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 Pennsylvania 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.