Business Insurance for Dentists
Compare multiple quotes from top carriers with one application.
Dentists
Person smiling during a dental examination.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Insurance for dentists in Illinois

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

Which policies are required for dentists in Illinois?

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

State law in Illinois requires every small business with employees to provide workers’ compensation insurance, which covers medical bills for work injuries. This coverage is also recommended for sole proprietors and independent contractors, as health insurance can deny claims for work-related injuries.

Vehicles owned by a business or used primarily for business must be covered by commercial auto insurance. This policy covers the cost of accidents involving a work vehicle.

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

Compare insurance quotes for dentists from top U.S. carriers

What are the most common insurance policies for Illinois dentists?

Dentists in Illinois 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 icon

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 icon

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 icon

Workers' compensation insurance

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

This coverage is optional for sole proprietors. 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 icon

Commercial auto insurance

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

The auto insurance requirements in Illinois are:

  • $25,000 per person bodily injury liability
  • $50,000 per accident bodily injury liability
  • $20,000 per accident property damage liability
  • $25,000 per person uninsured motorist coverage
  • $50,000 per accident uninsured motorist coverage

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

Cyber liability insurance icon

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 Illinois?

According to an analysis of Insureon applications, the typical dentist in Illinois 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 insurance for a dentist in Illinois is $955, far less than the national median of $1,455.

Dentists in Illinois can expect to pay about $914 annually for workers’ compensation insurance, significantly less than the national median of $1,482.

Median insurance costs for dentists in Illinois.

Save time and money with Insureon

Insureon’s industry-leading technology helps dentists in Illinois 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 Illinois 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: July 20, 2022
Compare insurance quotes for dentists
Save money by comparing insurance quotes from multiple carriers.
Dentists
EXPLORE ON INSUREON
Business insurance requirements in Illinois How do I get a certificate of liability insurance?Small business insurance policies: How are they different?Malpractice lawsuit tips for dentistsQuestions to ask before buying business insurance
TOPICS