Insurance for dentists in California

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by dentists in California, general liability insurance can protect your dental office from expenses associated with common mishaps, such as client property damage and injuries.

State law in California requires every small business with employees to provide workers’ compensation insurance, which covers medical bills for work injuries.

Any employee, regardless of whether they are full-time, part-time or seasonal, is eligible for workers’ compensation insurance if they are injured on the job. Although workers’ compensation insurance is not mandatory for a sole proprietorship, it is available for those who would want it.

Note: Insureon cannot provide quotes for professional liability insurance for dentists, also called malpractice insurance.

According to data gathered from Insureon applications, workers’ comp policies may cost significantly more in California. The median premium for workers' comp is $3,047 for dentists in California, far more than the national median cost of $1,482.

This is balanced by a lower median cost in California for a business owner’s policy. Dentists in California can expect to pay a median premium of $906 annually for a BOP, which is less than the national median. General liability median costs are $425 per year in California, the same as nationwide.