Every carrier rates sedation by tier. A general dentist with a minimal-enteral permit sees no significant load. Moderate parenteral (IV) sedation pushes the base malpractice rate to 2.2x–3.0x (Louisiana and Florida higher, Mississippi and Tennessee lower). Deep sedation and general anesthesia permits push premiums into low-specialty territory ($4,000 to $10,000 per year). Carriers require documented emergency protocols, ACLS/PALS certifications, and monitoring equipment on file at binding.
Sedation ratings vary state by state — compare the Florida and Mississippi guides for specifics.
