Business Insurance for Dentists
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Insurance for dentists in Texas

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

Which policies are required for dentists in Texas?

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

State law in Texas makes it optional for small businesses with employees to provide workers’ compensation insurance, which covers medical bills for work injuries. However, this coverage is recommended for every business, including sole proprietors and independent contractors, as health insurance can deny claims for work-related injuries.

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 dentists in Texas?

Dentists in Texas 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

Dental offices in Texas are not required to carry workers’ compensation coverage. However, it's a useful policy to purchase, even for sole proprietors.

If you slip and break an arm in your dental office, or your assistant develops carpal tunnel syndrome after years of working with dental tools, a workers’ comp policy could help pay medical bills and lost wages.

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Commercial auto insurance

Business vehicles in Texas must carry enough commercial auto insurance to meet the state's minimum requirements for auto liability insurance. This policy helps pay for medical bills, legal fees, and property damage when a business vehicle is involved in an accident.

The auto insurance requirements in Texas are:

  • $30,000 in bodily injury liability or death liability per person
  • $60,000 in bodily injury liability or death liability to more than one person
  • $25,000 in property damage per accident

Texas state law also requires personal injury protection (PIP) for any policies with liability coverage, or a signed waiver to decline this coverage.

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Cyber liability insurance

Cyber liability insurance helps dentists survive data breaches and cyberattacks. This policy covers client notification costs, credit monitoring services, and other related expenses.

How much does insurance cost for Texas dentists?

According to an analysis of Insureon applications, dentists in Texas 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 Texas is $1,487, about the same as the national median of $1,455.

Dentists in Texas can expect to pay about $703 annually for workers’ compensation insurance, far less than the national median of $1,482.

Median insurance costs for dentists in Texas.

Save time and money with Insureon

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