Malpractice Insurance for Dentists, Hygienists, & Dental Practices

Looking for fast, easy, and affordable dental malpractice insurance? Berxi offers top-rated coverage at a direct-to-consumer price. Plus, we’re part of Berkshire Hathaway Specialty Insurance – a name you can trust.

Good Insurance Doesn’t Have to Be Complicated for Dentists

We offer comprehensive dental malpractice insurance policies that are easy to buy and provide you with coverage you can count on. Our policies protect:

  • Individual dentists
  • Dental practices
  • Dental hygienists
  • Endodontists
  • Oral pathologists
  • Orthodontists
  • Pediatric dentists
  • Periodontists
  • Prosthodontists
  • And a broad array of professional services,** including consulting, teaching, utilization management review, and more

Customers Save an Average of 15%

How do we do it? We work directly with you, so there are no hidden fees or commissions that are tacked onto your premium.

Our Digital Platform Offers 24/7 Access

You can purchase a policy in minutes, and once you’re a customer, you’ll be able to easily access and manage your policy online.

Claims Is Our Product

If the worst happens, we’re here for our customers. Our market-leading stability means you can be confident that we have the resources and expertise to handle your dental malpractice claims.

Berxi Dental Malpractice Insurance: Key Features

Here are some noteworthy features of our dental malpractice insurance:

  • Occurrence & claims-made policy options
    • Don’t know the difference between the two? No worries! We wrote an article that breaks it all down for you.
  • Legal defense outside the limits of liability
    • This means that the money spent on your defense won’t be deducted from your insurance limits — so if you have a $1 million limit, you’ll still have $1 million to pay for any settlements or damages, no matter how much your lawyer costs.
  • Consent to settle
    • This means that we won’t settle a claim without your consent.
  • $0 deductible
  • Flexible insurance limits, up to $2M per claim/$4M aggregate
  • Convenient payment plans for select policies
  • Tail coverage options for customers with claims-made policies

If you want to learn more about the specific coverages that are included in our dental malpractice policies, scroll down to the table below!

Industry 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.

Limits of liability include $1M per claim/$3M aggregate (additional options available)

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.

Paid in addition to your policy’s limits

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).

If you provide professional care to someone who is not your patient in a first aid or emergency situation, and that person files a claim against you, your policy would still apply.

Automatic Coverage Extensions (in Addition to Policy Limits)

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.

$25,000 per policy period

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.

$10,000 limit per person

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.

$25,000 limit per policy period

If the professional licensing authority is investigating matters related to your professional conduct, our policy provides you with legal defense.

$25,000 limit per policy period

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).

Up to $1,000 per day

Additional A La Carte Coverages (by Endorsement)

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.

Included within policy limits

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.

$25,000 each claim, subject to a maximum of $25,000 for all claims

Why Would I Need Dental Malpractice Insurance?

The unfortunate reality is that, at some point, a patient may claim you made a mistake in treating them. It isn’t anything you plan on doing, but it is something you want to plan for. And while claims may be rare, they can wreak havoc on your business, happiness, and savings account. Whether it’s a board complaint or a malpractice claim, professional liability insurance can provide you with legal resources (and financial resources) to lean on, so you can have peace of mind and stay focused on what matters most: helping your patients. For other common questions about dental malpractice insurance, visit our article!

"We started Berxi because we believe that we can make insurance better, faster, and more affordable by offering you a direct connection with an insurance company that cares about your needs. That means that you buy directly from us and you talk directly to us. We know you expect fast, seamless results from a company that really understands you — and that emphasis on technology, compassion, and customer satisfaction is all built into the Berxi mission."

Adam Yasan, Managing Director Berxi
“15% savings” is based on industry pricing averages as of April 2021.
Subject to terms and conditions of the policy. Quote and issuance of a policy are conditioned upon receipt and approval of the following 1) Practice Location; 2) Profession / Specialty; 3) Employment Status; 4) Coverage Type; 5) Hours Worked; and 6) Prior Claims Activity. Final pricing and terms of coverage may vary. Terms, pricing, and coverage may vary. Products not available in all states.

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