Insurance for Dentists and Dental Practices

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Why do dentists need insurance?

Even in the safest dentist office, a patient could trip getting out of a chair and file a lawsuit. Insurance for dentists shields your small practice from the legal and financial repercussions of everyday accidents. You may also need insurance to comply with state laws or the terms of a lease.

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One application, multiple quotes

Insureon helps dentists compare small business insurance quotes from top U.S. carriers online.

Get several quotes with one easy application.

How do I get medical malpractice insurance?

It's easy to get free quotes for medical malpractice insurance with Insureon. We'll ask you basic facts about your business to help you find coverage that matches your unique risks and meets the requirements in your state.

Contact our dedicated medical malpractice insurance specialist to get started.

What types of business insurance do dentists need?

These insurance policies cover the most common risks of dentistry.

General liability insurance icon

General liability insurance

This policy covers basic third-party risks, such as an injury from a patient tripping in your office. It's often required for commercial leases.

  • Slip-and-fall accidents
  • Damaged patient property
  • Libel and other advertising injuries
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for dental professionals to purchase commercial property insurance and general liability coverage together.

  • Slip-and-fall accidents
  • Damaged patient property
  • Damaged or stolen business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for dental practices that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
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Commercial auto insurance

Most states require commercial auto insurance for vehicles owned by a dentist's office. It helps cover the cost of an accident involving your business vehicle.

  • Damage caused by your vehicle
  • Medical bills from an auto accident
  • Vehicle theft and vandalism
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Cyber insurance

This policy helps dental practices survive data breaches and cyberattacks. It can often be added to a BOP or general liability policy for savings.

  • Customer notification expenses
  • Data breach lawsuits
  • Fraud monitoring costs
Looking for different coverage? See more policies.

How much does business insurance cost for dentists?

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A small practice with a few dentists will pay less for insurance than a larger company.

Factors that affect premiums include:

  • Dental services offered, such as root canals and gum surgery
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Coverage options, such as deductibles or tail coverage for claims that occur after your policy has expired
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How do I get dental practice insurance?

It's easy to get dentistry business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

For medical malpractice coverage, you can contact our dedicated agent by sending an email to [email protected] or by calling (312) 854-2919. They can help you find insurance quotes for malpractice and other common policies that your practice needs.

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your dental practice, whether you work independently or hire employees.

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