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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 work injuries. 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 Florida dentists?

The most common policies for dentists in Florida 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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Florida workers' compensation

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

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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 Florida pay for insurance?

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 business owner’s policy costs a median of $1,900 annually for Florida dentists, versus 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. However, the median cost for Florida dentists to purchase a general liability policy is $435, which is only slightly higher than the national median cost 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.

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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