Business Insurance for Dentists
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Insurance for dentists in Colorado

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

Which policies are required for Colorado dentists?

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

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

Vehicles owned by a business or used for business purposes must be covered by commercial auto insurance. This policy helps pay for injuries and property damage if your business vehicle gets into an accident.

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

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What are the most common insurance policies for Colorado dentists?

Dentists in Colorado often carry the following types of insurance. The specifics depend on factors such as whether you own a business vehicle, lease a commercial space, or hire employees.

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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

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

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Workers' compensation insurance

If you own a dental office in Colorado that has employees, you are required to carry workers’ compensation coverage.

This coverage is optional but recommended for sole proprietors and independent contractors, as health insurance can deny claims for work-related injuries. 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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Commercial auto insurance

Business vehicles in Colorado must carry enough commercial auto insurance to meet the state's minimum requirements for auto liability insurance.

Colorado's insurance requirements are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

This policy helps pay for medical bills, legal fees, and property damage when a business vehicle is involved in an accident.

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Cyber liability insurance

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

How much does business insurance cost for dentists in Colorado?

According to an analysis of Insureon applications, the typical dentist in Colorado can expect to pay less than the national median for some types of business insurance.

For example, the median annual cost of a business owner’s policy for a dentist in Colorado is $1,087, far less than the national median of $1,455.

Dentists in Colorado pay a median premium of $1,286 annually for workers’ compensation insurance, lower than the national median of $1,482.

Median insurance costs for dentists in Colorado.

Save time and money with Insureon

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

Updated: May 20, 2022
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