Insurance for dentists in Florida

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

Which policies are required for dentists in Florida?

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

State law in Florida requires every small business with four or more employees to provide workers’ compensation insurance, which covers medical bills for occupational injuries. Workers’ comp isn't mandatory for sole proprietors or independent contractors. However, it's strongly recommended, as health insurance can deny claims for work-related injuries.

Vehicles driven primarily for business purposes must be covered by commercial auto insurance. This policy helps cover costs when a business vehicle is involved in 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 Florida dentists?

Dentists in Florida 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.

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.

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.

Workers' compensation insurance

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

If you are a sole proprietor, the coverage is optional. However, if you slip and break an arm in your dental office, or develop carpal tunnel syndrome after years of working with dental tools, you can turn to your workers’ comp policy to help pay your medical bills and lost wages

Commercial auto insurance

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

Florida's insurance requirements are:

$10,000 in personal injury protection
$10,000 in property damage liability

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

Cyber liability insurance

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

How much does business insurance cost for dentists in Florida?

According to an analysis of Insureon applications, the typical dentist in Florida can expect to pay more than the national median for business insurance.

A BOP costs a median of $1,900 annually for Florida dentists, as compared to the national median of $1,450.

The national median premium for workers’ comp is about $1,500, but the median premium for Florida dentists is about $2,150.

The median cost for Florida dentists to purchase a general liability policy is $435, which is similar to the national median of $425.

Median insurance costs for dentists in Florida.

Save time and money with Insureon

Insureon’s industry-leading technology helps dentists in Florida 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 Florida and can answer your questions as you consider coverage.

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