Business Insurance for Dentists
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Insurance for dentists in Pennsylvania

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

Which insurance policies are required for dentists in Pennsylvania?

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

State law in Pennsylvania 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 policies for Pennsylvania dentists?

Dentists in Pennsylvania 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 Pennsylvania that has employees, you are required to carry workers’ compensation insurance. This policy covers the cost of medical treatment and disability benefits for employees who are injured on the job.

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

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Commercial auto insurance

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

The auto insurance requirements in Pennsylvania are:

  • Bodily injury liability: $15,000 per person / $30,000 per accident
  • Property damage liability: $5,000 per accident
  • Medical benefits: $5,000

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 data breach notification costs, credit monitoring services, and other related expenses.

How much does business insurance cost for dentists in Pennsylvania?

According to an analysis of Insureon applications, dentists in Pennsylvania 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 a business owner’s policy for dentists in Pennsylvania is $544, far less than the national median of $1,455.

Dentists in Pennsylvania can expect to pay about $1,887 annually for workers’ compensation insurance, slightly higher than the national median of $1,482.

Median insurance costs for dentists in Pennsylvania.

Save time and money with Insureon

Insureon’s industry-leading technology helps dentists in Pennsylvania 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 Pennsylvania 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: May 20, 2022
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