Dental Liability Insurance
Dental liability insurance protects most professionals in the dental industry from potential claims filed against them. Dentists tend to have a high risk due to their tendency to perform more complicated procedures and the need for frequent use of anesthesia.
Insurance Protection for Dentists & Staff
- Professional Liability Coverage
- Property
- General Liability
- Worker’s Compensation
Unique Program Designed Specifically for Dentists
- Unlimited claims
- Cost savings
- High limit flexibility
- 25+ years Dentists marketplace experience
- Carrier A M Best rating of A+
- Professional liability features an Occurrence coverage form and Prior acts available
- Dentists consent required to settle
- Corporation/partnership included with separate limit
- Hygienists and assistants included with separate limits
- Package Policy will combine both professional and general liability, property coverage, umbrella as an option
- Employment practices liability (optional)
- Includes medical waste defense reimbursement up to $50,000
- Loss of Income protection
- Apply a recent graduate credit to reduce your premium if you are a new dentist
- Loss control services offered free of charge
Claim Examples
Hygienist dropped an instrument in a five year old boy’s eye and blinded him. (It is important to have separate limits of liability for each insured, even if arising from the same incident.)
Failure to diagnose oral cancer. Very large payment exposure. This claim could happen to anyone and stresses the need to conduct oral cancer exams on all patients.
Water backup claim. Many policies exclude or put a limitation such as $25,000 for losses arising from water/sewer backup. With Cincinnati the dentist insured has full Business Personal Property limit and Business Income actual loss sustained.
