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Professional Liability Insurance for Dental Professionals
The policy offered through Dentist’s Advantage protects you for damages resulting from dental services provided, or that should have been provided, to your patients. The policy covers you, your legal organization, past or present employees and approved substitute dentists (locum tenens). You can also add Business Liability Insurance to your coverage to protect you for injury or property damage claims against your practice. Program features include: • Choice of coverage limits - up to $5,000,000 available. • Unrestricted Consent to Settle - This is a guaranteed right. We will not settle any professional liability claim without your written approval - and there are no limitations, such as mandatory arbitration or “hammer” clauses. • Retirement “Tail” Benefits - After you have been a policyholder for five years, Extended Reporting Coverage is free at age 50 or older if you decide to permanently cease practicing dentistry or upon disability or death.
• First Aid Expense Coverage - Pays up to $5,000 for expenses incurred when a patient is accidentally injured during treatment and requires first aid. (Note that usage of the First Aid benefit does not constitute a liability claim.) • Defense of State Regulatory Investigation - Reimburses you for attorney fees, costs & other related expenses for your defense of disciplinary charges or licensing action by a state regulatory authority arising as the result of a covered claim. • Association Coverage - Protects you as an officer or committee member of the American Dental Association or any professional dental society it recognizes. • Professional Writing Coverage - Protects you for authoring articles, books or papers on technical aspects of dentistry when published by a recognized professional publisher • Contractual Liability Coverage - Covers you for liability assumed under contracts, including those with managed care organizations (i.e. HMOs, PPOs, IPAs), if entered into before the date the injury occurred. • Defense Costs - Paid in addition to liability limits -- win or lose. • Legal Organization Coverage - Separate limits of liability available for your dental partnership or corporation |
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