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How much does insurance cost for dentists?

The cost of dentist insurance depends on the policies you choose, the size of your practice, your risk exposure, and other factors. Cost estimates are sourced from policies purchased by Insureon customers.

Business owner’s policy icon

Business owner’s policy costs for dentists

Dentists pay a median premium of less than $100 per month, or $1,185 annually, for a business owner’s policy. This policy bundles general liability insurance and property insurance, often at a discounted rate.

A BOP protects dentists against patient injuries and property damage, along with damage to your own business property. Because of its increased coverage and affordability, it’s the policy most often recommended by Insureon’s licensed agents.

Median cost per year: $1,185
Policy limit: $1 million per occurrence
Policy deductible: $1,000

Learn more about business owner's policy.

General liability insurance icon

General liability insurance costs for dentists

The median cost of general liability insurance is about $40 per month for dentists, or $490 per year. This policy protects against patient injuries and property damage, along with advertising injuries.

Insureon’s licensed agents typically recommend purchasing a business owner’s policy, which bundles general liability insurance with commercial property insurance at a discounted rate.

Median cost per year: $490
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn more about general liability insurance.

Workers’ compensation insurance icon

Workers’ compensation insurance costs for dentists

Dental practitioners pay a median premium of about $65 per month, or $785 annually, for workers’ compensation insurance. This policy is required in almost every state for dental clinics that have employees. It can pay medical fees and lost wages for work-related injuries and illnesses. 

Learn more about workers' compensation insurance.

Get free quotes and compare policies with Insureon

Insureon’s licensed agents work with top-rated U.S. carriers to find the right fit for your small dental business, whether you’re a solo practitioner or run your own clinic. Apply today to compare multiple quotes with one free online application. If you decide to purchase a policy, you’ll work with an account manager who knows the unique business risks of dentistry.

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