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Insurance for dentists in Ohio

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

Which policies are required for dentists in Ohio?

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

State law in Ohio requires every small business with employees to purchase workers’ compensation insurance through a state-run fund.

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. 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.

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What are the most common policies for Ohio dentists?

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

The state runs a monopolistic state-administered workers' compensation fund; coverage can only be purchased through the Ohio Bureau of Workers' Compensation. If you own a dental office in Ohio that has 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 Ohio in pay for insurance?

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

For example, the median annual cost of general liability insurance for a dentist in Ohio is $537, a bit higher than the national median of $425. Dentists in Ohio can expect to pay about $1,764 annually for a business owner’s policy, slightly higher than the national median of $1,455.

Median insurance costs for dentists in Ohio.

Save time and money with Insureon

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