Insurance for dentists in Georgia

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

Which policies are required for dentists in Georgia?

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

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

Business vehicles in Georgia must be covered by commercial auto insurance. This policy helps cover the cost of accidents involving vehicles driven for work purposes.

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 Georgia dentists?

Dentists in Georgia 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 Georgia that has three or more employees, you are required to carry workers’ compensation coverage.

If you are a sole proprietor or independent contractor, 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 Georgia must carry enough commercial auto insurance to meet the state's minimum requirements for auto liability insurance.

Georgia's insurance requirements are:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 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.

Cyber liability insurance

Cyber liability insurance can help dentists survive 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 Georgia?

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

For example, the median annual cost of a business owner’s policy for a dentist in Georgia is $1,739, a significant increase on the national median of $1,455.

Dentists in Georgia can expect to pay about $2,420 annually for workers’ compensation insurance, significantly higher than the national median of $1,482.

Median insurance costs for dentists in Georgia.

Save time and money with Insureon

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

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