NEXT earned our top spot for the best small business insurer for dental companies due to its affordability and coverage. However, we recommend comparing quotes from our other top picks, including The Hartford, Simply Business, and biBerk.
Best Dental Business Insurance
Updated: June 27, 2025
Advertising & Editorial Disclosure
Key Takeaways
NEXT is the best business insurance company for dental firms because it offers the greatest balance of affordability and customer service.
The cheapest overall commercial insurance provider for dental businesses is NEXT, with low monthly rates for various coverage types.
To shop for business insurance for your dental business, assess the risks in your industry, consult agents and other similar organizations, and compare multiple options.
Best Business Insurance for Dental Companies
| NEXT | 96 | 98 | 94 |
| The Hartford | 95 | 97 | 91 |
| Nationwide | 89 | 86 | 91 |
| Simply Business | 88 | 86 | 83 |
| biBerk | 88 | 87 | 91 |
| Progressive Commercial | 88 | 90 | 81 |
| Hiscox | 86 | 87 | 87 |
| Thimble | 86 | 88 | 81 |
| Coverdash | 85 | 81 | 83 |
| Chubb | 85 | 80 | 87 |
*All scores were based on a dental business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. NEXT
pros
Best customer service experience
Cheapest for general liability and BOP insurance
Large coverage selection
cons
Slower quote times than competition
Lower financial stability ratings
COMPANY HIGHLIGHTS
NEXT is the best business insurance provider for dental firms, with excellent customer service and comprehensive coverage. It's also the most affordable overall, offering the cheapest rates for both general liability insurance or a combined business owner policy. Despite being newer to the industry with under 10 years of experience, NEXT has earned a 4.7 out of 5.0 rating from over 3,000 customers.
2. The Hartford
pros
Lowest professional liability insurance rates
Extensive experience with over 200 years in the industry
Highest financial stability ratings
cons
Less affordable for workers' comp policies
COMPANY HIGHLIGHTS
Drawing on two centuries of insurance expertise, The Hartford stands out in the dental insurance market for several key reasons. Dental owners particularly benefit from the company's competitive professional liability rates, which provide essential protection against the specialized risks that come in the industry.Â
The insurer's commitment to customer satisfaction is reflected in consistently high ratings from thousands of small business policyholders across multiple industries. With its A+ from AM Best, The Hartford offers dental operators the confidence that their claims will be handled promptly and paid reliably when coverage is needed most.
3. Nationwide
pros
Wide variety of coverage types
Strong customer service ratings
Good financial stability ratings
cons
Less affordable compared to competitors
Online-only customer support and no online purchasing
COMPANY HIGHLIGHTS
Nationwide is among the top dental practice insurance providers because it effectively combines affordability and customer-focused service. It offers competitively priced professional liability coverage, giving dental practitioners essential malpractice protection without straining practice budgets.Â
Nationwide's positive service ratings reflect dental professionals' satisfaction with the insurer's knowledgeable support team and efficient claims process, making it a smart choice for practices seeking reliable coverage with responsive customer service.
Cheapest Business Insurance for Dental Firms
NEXT offers the cheapest overall commercial insurance for dental companies across most policy types. However, this applies only to dental companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Dental Companies
With an average monthly rate of $13, NEXT offers the lowest-cost general liability insurance for dental companies. Even so, consider getting quotes from the other affordable insurers: The Hartford and Nationwide.
| NEXT | $13 | $159 |
| The Hartford | $17 | $209 |
| Nationwide | $20 | $240 |
| Progressive Commercial | $21 | $251 |
| Thimble | $22 | $268 |
| biBerk | $23 | $280 |
| Hiscox | $23 | $275 |
| Simply Business | $23 | $280 |
| Chubb | $26 | $309 |
| Coverdash | $29 | $346 |
Cheapest Workers' Comp Insurance for Dental Companies
For dental businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $5 per month or $58 yearly. You may find more affordable rates with Simply Business, Hiscox, The Hartford and Progressive Commercial.
| Coverdash | $5 | $66 |
| Hiscox | $5 | $64 |
| Progressive Commercial | $5 | $62 |
| Simply Business | $5 | $64 |
| The Hartford | $5 | $65 |
| Thimble | $5 | $58 |
| biBerk | $6 | $68 |
| Chubb | $6 | $78 |
| Nationwide | $6 | $72 |
| NEXT | $6 | $67 |
Cheapest Professional Liability Insurance for Dental Companies
The Hartford offers the most affordable professional liability insurance options for dental companies, with low average monthly rates of $105. You may also want to compare prices from other low-cost providers like NEXT, Progressive Commercial and Thimble.
| The Hartford | $105 | $1,256 |
| NEXT | $109 | $1,302 |
| Progressive Commercial | $111 | $1,329 |
| Thimble | $113 | $1,356 |
| Hiscox | $115 | $1,379 |
| Simply Business | $115 | $1,386 |
| Coverdash | $118 | $1,413 |
| biBerk | $119 | $1,430 |
| Nationwide | $125 | $1,503 |
| Chubb | $135 | $1,623 |
Cheapest BOP Insurance for Dental Companies
NEXT provides the most affordable business owner's policy (BOP) coverage for dental companies, with an average yearly cost of $231 for bundled general liability and property protection. That's a savings of roughly $37 annually compared to The Hartford, the second most affordable option.
| NEXT | $19 | $231 |
| The Hartford | $22 | $268 |
| biBerk | $30 | $362 |
| Nationwide | $30 | $360 |
| Progressive Commercial | $32 | $380 |
| Hiscox | $34 | $412 |
| Thimble | $34 | $413 |
| Simply Business | $35 | $423 |
| Chubb | $39 | $463 |
| Coverdash | $42 | $503 |
What Type of Coverage Do You Need for a Dental Business?
Most companies with employees are legally required to carry workers' comp insurance, and businesses that use vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. A surety bond may also be necessary in certain industries.
RECOMMENDED DENTAL BUSINESS COVERAGE
Dental businesses are strongly advised to carry general liability insurance as it covers common risks like bodily injury, property damage, and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. This coverage becomes especially useful for companies offering specialized services or handling large contracts where the risk of disputes is higher.
How to Get the Best Cheap Business Insurance for Your Dental Company
Below you'll find our guide to find the best and cheapest business insurance for a dental business.
- 1
Decide on coverage needs before buying
Consider risks specific to your business for claims, get advice from similar businesses, talk to agents and research the types of business insurance. This will give you a balanced perspective on your coverage needs.
- 2
Research costs
Research average costs for your business to determine the insurance providers that offer the cheapest rates. This will let you know how much you're saving when comparing quotes and which companies to begin with.
- 3
Look into company reputations and coverage options
Investigate what customers say on online rating sites and forums to provide a comprehensive look at company services. Research coverage options to make sure you're covered for the right items.
- 4
Compare multiple quotes through different means
Look at and compare multiple quotes. Rates differ by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Dental Business's Liability Risk
Reducing risk is key to managing insurance costs for dental businesses. We've organized strategies based on your business type or risk level to help you effectively lower liability and insurance expenses.
Dental Business Risk Type | Included Types of Dental Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | Oral surgery, dental implants, IV sedation procedures, periodontal surgery, orthodontic surgery, complex extractions, TMJ treatment with surgical intervention |
|
Moderately high | Endodontic procedures, conscious sedation, periodontal treatments, orthodontics, cosmetic dentistry, pediatric dentistry with sedation |
|
Moderate | General dentistry, routine fillings, crowns and bridges, basic extractions, preventive care, dental hygiene services, X-ray services |
|
Moderately low | Routine cleanings, fluoride treatments, sealants, oral health education, dental screenings, teeth whitening (non-bleaching) |
|
Lowest | Dental consultations, treatment planning, oral health assessments, dental practice management, insurance coordination, appointment scheduling |
|
Best Insurance for Dental Business: Bottom Line
NEXT is the best insurer for dental business insurance, offering the most affordable option. We also recommend getting quotes from The Hartford, Nationwide and Simply Business. For the best deal, talk to agents, research providers and pricing, and compare multiple quotes side by side.
Dental Business Insurance: FAQ
This section answers frequently asked questions about business insurance for dental practices.
Who offers the best dental business insurance overall?
NEXT offers the best business insurance for dental companies due to its excellent customer service and a MoneyGeek score of 96 out of 100. The Hartford follows closely, also maintaining high standards.
Who has the cheapest business insurance for dental companies?
Here are the most affordable business insurance options for dental companies by coverage type:
- Cheapest general liability insurance: NEXT at $13 monthly
- Cheapest workers' comp insurance: Thimble at $5 monthly
- Cheapest professional liability insurance: The Hartford at $105 monthly
- Cheapest BOP insurance: NEXT at $19 monthly
What business insurance is required for dental organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for dental businesses, with requirements varying by state. General liability insurance and surety bonds are effectively required by most commercial clients and property leases.
How much does dental business insurance cost?
Business insurance costs for dental practices vary according to coverage type. Below, we've detailed the costs for essential business coverage:
- General Liability: $42 per month
- Workers' Comp: $29 per month
- Professional Liability: $56 per month
- BOP Insurance: $65 per month
How We Chose the Best Dental Business Insurance
We selected the best business insurer for dental companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 27, 2025.
- NEXT. "Customer Reviews." Accessed June 27, 2025.