Business Insurance for Dentists
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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.

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.

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What are the most common insurance policies for Ohio dentists?

Dentists in Ohio 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

Ohio 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 or independent contractor, 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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Commercial auto insurance

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

The auto insurance requirements in Ohio are:

  • $25,000 per person bodily injury liability
  • $50,000 per accident bodily injury liability
  • $25,000 per accident property damage liability

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 can help dentists survive data breaches and cyberattacks. This policy covers data breach notification costs, credit monitoring services, and other related expenses.

How much does business insurance cost for dentists in Ohio?

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.

Updated: July 20, 2022
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