Get a quote for Professional
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).
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
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
First Aid Expense Coverage - Pays up to $10,000 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
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
Defense Costs - Paid in addition to liability limits -- win or lose.
Legal Organization Coverage - Separate limits of liability available for your dental partnership or
Additional Coverage - A Specialty Liability Package Endorsement can be added to your policy to protect you for injury or property damage claims against your practice. Coverage under this endorsement can include:
• General Liability Coverage
• Billing Errors & Omissions - $2,500
• Premises, Products, Completed Operations Coverage
• Medical Payments
• Non-owned & Hired Auto Liability
• Employee Benefits Liability
• Employment Practices Liability - $limits $5,000 / $5,000*
• Medical Waste Legal Reimbursement - limits $50,000 / $50,000
*Higher limits available
Discounts* available include:
• Up to 75% if you're a new practitioner
• Up to 50% for part-time employment
• Up to 20% savings if you're an AGD member
• Up to 10% in claims-free discounts
• Up to 10% if you've participated in an eligible risk management program
*Discounts vary by state and are not to exceed maximum discounts per policy. Some discounts apply to professional liability insurance premiums only.
Dentist's Advantage is endorsed by the Academy of General Dentistry, among others. Read a complete list of all our endorsers.
Get a quote for Professional Liability