Business Insurance for Dentists
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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 Michigan dentists?

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. This coverage is also recommended for sole proprietors and independent contractors, as health insurance can deny claims for work-related injuries.

Vehicles that are owned by a Michigan business, or used primarily for business, must be covered by commercial auto insurance. This policy covers the cost of injuries and property damage in an accident involving a commercial vehicle.

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 Michigan dentists?

Dentists in Michigan 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.

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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

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.

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Workers' compensation insurance

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

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.

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Commercial auto insurance

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

Michigan requires both bodily injury coverage and personal injury protection (PIP). The insurance requirements are:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $10,000 for property damage in another state
  • $250,000 personal injury protection (or less for individuals enrolled in Medicare or Medicaid)

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

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Cyber liability insurance

Cyber liability insurance helps dentists recover financially from data breaches and cyberattacks. This policy covers the cost of data breach notifications, credit monitoring services, and other related expenses.

How much does business insurance cost for dentists in Michigan?

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.

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.

Updated: July 20, 2022
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