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Insurance for dentists in Michigan

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

Which policies are required for dentists in Michigan?

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

State law in Michigan requires every small business with three 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.

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

What are the most common policies for Michigan dentists?

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

If you own a dental office in Michigan that has three 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 Michigan pay for insurance?

According to an analysis of Insureon applications, the typical dentist in Michigan 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 for dentists in Michigan is $1,385, slightly less than the national median of $1,455. Additionally, dentists in Michigan can expect to pay about $1,089 annually for workers’ compensation insurance, significantly less than the national median of $1,482.

Median insurance costs for dentists in Michigan.

Save time and money with Insureon

Insureon’s industry-leading technology helps dentists in Michigan 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 Michigan 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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