Business Insurance for Dentists
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Insurance for dentists in New Jersey

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

Which insurance policies are required for dentists in New Jersey?

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

State law in New Jersey requires every small business with employees to provide workers’ compensation insurance, which covers medical bills for work injuries. Any employee, regardless of whether they are full-time, part-time or seasonal, is eligible for workers’ compensation insurance if they are injured on the job.

If your business owns a vehicle, you're required to carry commercial auto insurance. This policy helps pay for medical bills and property damage in the event of an auto accident.

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 New Jersey dentists?

Dentists in New Jersey 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 New Jersey that has employees, you are required to carry workers’ compensation insurance.

Sole proprietors and independent contractors should also consider buying workers' comp, as health insurance can deny claims for work-related injuries.

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Commercial auto insurance

Business vehicles in New Jersey must carry enough commercial auto insurance to meet the state's requirements. All vehicles must have auto liability insurance coverage, whether they’re for personal or business use.

New Jersey offers basic and standard auto insurance policies. The standard plan includes a minimum of:

  • $15,000 per person bodily injury liability
  • $30,000 per accident bodily injury liability
  • $5,000 property damage liability per accident
  • $15,000 personal injury protection (PIP)

This policy 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 survive 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 New Jersey?

According to an analysis of Insureon applications, dentists in New Jersey can expect to pay less than the national median for some types of business insurance and more than the national median for other types.

For example, the median annual cost of general liability insurance for a dentist in New Jersey is $709, significantly higher than the national median of $425.

On the other hand, dentists in New Jersey can expect to pay about $1,005 annually for workers’ compensation insurance, much lower than the national median of $1,482.

Median insurance costs for dentists in New Jersey.

Save time and money with Insureon

Insureon’s industry-leading technology helps dentists in New Jersey 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 New Jersey 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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