Business Insurance for Dentists
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Insurance for dentists in California

Learn about business insurance requirements and the most common policies for dentists in California.

Which policies are required 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.

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What are the most common policies for California dentists?

The most common policies for dentists in California vary depending on revenue, client contracts, partnerships, and other factors.
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General liability insurance

General liability insurance is the foundation of a dentist’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.
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Business owner's policy (BOP)

A small dentist’s office might qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability insurance at an affordable rate.

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California workers' compensation

California state law requires all businesses with employees to carry workers’ compensation coverage. If an employee is injured on the job, workers’ comp can help pay for their medical fees and lost wages.

Sole proprietors and independent contractors in California can choose to purchase a policy for themselves, but it’s not required.
 However, if you slip and break an arm in your dental office, or develop carpal tunnel syndrome after years of working on patients, you can turn to your workers’ comp policy to help pay your medical bills and lost wages.

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Cyber liability insurance

Cyber liability insurance can help dentists survive data breaches and cyberattacks. This policy can help pay for client notification costs, credit monitoring services, and other related expenses.

What do dentists in California pay for 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.

Median insurance costs for dentists in California.

Save time and money with Insureon

Insureon’s industry-leading technology helps dentists in California save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in California and can answer your questions as you consider coverage.

To make the application go 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 insurance quotes for dentists today.

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