The professional liability insurance policy offered through Dentist's Advantage provides coverage for damages resulting from dental services provided, or that should have been provided, to your patients. The policy covers you, your employees and approved substitute dentists (locum tenens) all while acting within the scope of their duties.
Program features include:
Choice of coverage limits - up to $5,000,000 available.
Consent to Settle - This is your right under the policy. We will not settle any professional liability claim without your written approval - and the policy contains no limitations, such as mandatory arbitration or "hammer" clauses.
Retirement "Tail" Benefits - After you have been a policyholder for five years, Extended Reporting Period 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 $10,000 for expenses incurred when a patient is accidentally injured during treatment and requires first aid.
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 dental incident otherwise covered under the policy.
Professional Services also includes your activities as a member of a formal accreditation, standards review or other professional board or committee related only to a professional society or hospital.
Professional Writing Coverage – Insures your liability for covered damages arising from your authoring articles, books or papers on technical aspects of dentistry when published by a recognized professional publisher.
Contractual Liability Coverage - Covers you for liability you assume in a contract with managed care organizations (i.e. HMOs, PPOs, IPAs), if entered into before the date the injury occurred, and only as respects professional services provided by you.
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
Additional Coverage - A Specialty Liability Package Endorsement can be added to your policy to insure you for injury or property damage claims against your practice. In addition to professional liability coverage, the following coverages are available to qualified and eligible insureds:
- • General Liability Coverage
- • Billing Errors & Omissions – $2,500 limit of liability
- • Premises, Products, Completed Operations Coverage
- • Medical Payments
- • Non-owned & Hired Auto Liability
- • Employee Benefits Liability
- • Employment Practices Liability - $5,000 each claim/ $5,000*Aggregate limits of liability
- • Medical Waste Legal Reimbursement - $50,000 per suit / $50,000 Aggregate limits of liability
*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 endorsements.
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