Save 15% or more on malpractice insurance for dentists

Key Features

Comprehensive & Flexible Dental Malpractice Coverage
Dental malpractice coverage insures you against claims that you were negligent or made a mistake as a dentist, resulting in bodily harm to another. This includes providing you with a lawyer to defend yourself and funds you can use to pay judgments or settlements.
Amount covered: Limits of liability include $1M per claim/$3M aggregate (additional options available)

Defense Counsel
If a claim is filed against you, we’ll retain an experienced dental malpractice lawyer for you. We’ll pay for related defense costs (e.g., lawyer fees, court fees, expert witness costs). These defense costs are “outside” the limits of your insurance. This means that their services don’t cut into the settlement amounts you may need to pay to the injured party.
Amount covered: Paid in addition to your policy’s limits

Worldwide Coverage
Your policy applies on a worldwide basis, as long as a claim is brought against you in the United States (which includes any U.S. territories or possessions).

Automatic Coverage Extensions

HIPAA Violation Defense
If you are investigated for potential HIPAA violations, we provide you with access to counsel and will reimburse you for costs related to HIPAA proceedings — including HIPAA fines.
Amount covered: $25,000 per policy period

Medical Waste Legal Expense Coverage
If your disposal of medical waste is the subject of an administrative proceeding brought by the Federal or State Environmental Protection Agency, this coverage reimburses you for your expenses to defend the proceeding.
Amount covered: $25,000 limit each claim, up to $25,000 for all claims

First Aid Expenses
If there is an accident unrelated to your dental professional services at your practice and someone is injured, their first aid expenses can be covered under your policy, provided that the person injured is not covered under workers’ compensation or similar benefits.
Amount covered: $10,000 limit per person

Peer Review Committee Coverage
This coverage applies to the expenses to defend a dispute, usually regarding treatment or billing decisions, that is brought by a dental peer review board or committee. The dispute might be between you and a patient, a third-party payer like a Preferred Provider Organization, or even your dental association.
Amount covered: $25,000 limit per policy period

Board Action & License Protection Defense
If the professional licensing authority is investigating matters related to your professional conduct, our policy provides you with legal defense.
Amount covered: $25,000 limit per policy period

Wage Loss/Deposition Defense
If we ask you to attend litigation activities (e.g., a deposition), our policy will reimburse you for actual lost wages and any necessary expenses you incur (e.g., travel, meals).
Amount covered: Up to $1,000 per day

Optional Coverages
Additional A La Carte Coverages (by Endorsement)

Dental Interview Coverages
This provides coverage for dental procedures and treatments you perform outside of your usual practice, as part of an interview to join another practice or facility.
Amount covered: Included within policy limits

Billing Errors & Omissions Coverage
This provides coverage for claims brought by an administrative agency or dental insurance payor for damages or injunctive relief for errors you committed in your billing practices.
Amount covered: $25,000 each claim, subject to a maximum of $25,000 for all claims