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How Much Does Small Business Insurance for a Dental Office Cost?

Not only do healthy teeth make for a beautiful smile; they are also a vital part of our overall health. So regular visits to your friendly neighborhood dentist can play a critical part in protecting our health.

Yet when you visit your dentist’s office, it’s easy to overlook the hard work and high costs of operating a successful dental practice: hiring qualified and caring staff, maintaining a clean, safe, and welcoming office space, purchasing and maintaining expensive tools and equipment, and purchasing insurance to ensure that the practice is protected against financial loss resulting from accidents, damages, and lawsuits.

At Sungate Insurance Agency, our job is to ensure that your dental practice has a comprehensive insurance policy tailored to protect the financial health of your business without undermining your bottom line. Because there are so many different factors that impact the cost of insurance and because every dental practice is slightly different, it’s impossible to simply list “a price” of a comprehensive insurance package online. Instead, we will work with you to understand the needs of your business in order to identify the types and levels of insurance coverages. Then, we will collect quotes from the many dental insurance companies that we work with in order to find the exact insurance package you need at the best possible price.

Cost of insurance for your dental office 

So what factors might impact the types of coverages your dental practice needs? The size of your practice is probably the most significant factor, including:

  • The number of offices you operate
  • The square footage of your office(s)
  • How much equipment you have
  • The number of staff you employ
  • The number of clients you service
  • Your yearly revenue

In addition to size, the locationof your office(s) may impact the cost of your insurance. For instance, a practice with a highly visible storefront in a downtown setting may have higher insurance than a small, suburban office. Moreover, in Florida especially, offices on lower levels of a commercial building may require additional insurance to protect against water damage due to flooding (not normally included in commercial property liability insurance).

Finally, the cost of your overall insurance package may be impacted by your perceived coverage needs.  Obviously, the type of coverages you select will impact the overall cost of your insurance plan. Additionally, the cost may be impacted by the level of coverage you select. In other words, if you want higher coverage limits with a lower deductible, your insurance may cost more than a package with lower coverage limits and a higher deductible.

For most dental practices, a comprehensive policy will include a mixture of standard small business insurance coverages and specialty insurance required (or recommended) for medical practices, including (but not limited to):

  • General liability insurance
  • Commercial property liability insurance
  • Equipment breakdown coverage
  • Business income protection
  • Worker’s compensation insurance
  • Employee insurance (health insurance, disability insurance, life insurance)
  • Medical malpractice insurance (also called Professional Liability or Errors and Omissions Insurance)
  • Data breach/first-party cyber liability insurance

Getting the right insurance at the right price is as important to the health of your dental practice as strong, healthy teeth are to you. So let the insurance experts at Sungate Insurance Agency do the hard work to find the perfect policy for you. Our goal is to develop a tailored insurance policy that gives your business the protection it needs at a price that won’t undermine the health—and success—of your practice. So give us a call for a free quote today!

How Much Does Small Business Insurance for a Dental Office Cost?



Contact SunGate Insurance Agency today learn more about the type of insurance you need.

Click here to contact us or call (407) 878-7979.

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