Dentist Professional Liability Insurance
Professional Protective Alliance is committed to providing dental professionals in New Jersey, Connecticut, Pennsylvania, Delaware, and Maryland with the most comprehensive selection of professional insurance products available.
Even if you’ve had policies cancelled, claims made, or are going through a failure to renew at the moment, we can help you find a policy that’s just right for your practice and your professional needs.
Who Needs Dentists Insurance?
While it’s great that people are getting the dental help they need, busier practices have greater risks of making mistakes or seeing patients who may be less than thrilled with the outcome of their visits. This puts you at a much greater risk of lawsuits and in greater need for dentists insurance.
If you are a practicing dentist, you need to make sure you have appropriate professional insurance coverage.
What Kind of Coverage Do Dentists Need?
The things to remember is that all dentists and dental practices needs are somewhat different. There isn’t one dentist coverage that works perfectly for all practices in all locations.
There are, though, some common considerations you should keep in mind as you compare policies and plans.
Claims Made vs. Occurrence Coverage
One critical issue, when it comes to insurance coverage is timing. Most professional insurance policies today are claims made policies.
- Claims Made policies require both the incident and the claim to be filed during the coverage period or within a declared retroactive date.
- Occurrencepolicies cover incidents that occur within the active period regardless of when the claim is filed. This is important because of the nature of medical and dental injuries. Sometimes, the full extent of the injury or repercussions aren’t realized until long after the incident takes place.
Additional Coverage Concerns
Of course you’re going to need more than that for your thriving dental practice – not to mention a practice that’s operating in the Information Age. These are a few of the additional types of coverage you should consider carefully for your dentist practice along with learning proper risk management techniques for your dental practice.
HIPAA Defense Coverage – This coverage is available to help dentists’ practices, such as yours, cover defense costs in the event of lawsuits related to HIPAA.
Discriminatory Complaint Regulatory Coverage– Regardless of the policies you have in place, discrimination complaints happen. This coverage helps you with defense related to complaints of discrimination when they do occur.
Reputation Protection Coverage– Your reputation is the one thing you should guard well. The right insurance policy can help you with this critical step in the event of a lawsuit or legal action against you or your practice.
Data Breach Liability Insurance – Another critical insurance coverage to have in dentists’ practices where electronic media perils exist, and so many personal, private, identifying, and financial information is kept on computer is data breach liability coverage. This protects your practice in the event that a breach occurs and hackers are able to access this personal and private information concerning your patients.
Workers’ Compensation Insurance – In all the states we serve, workers’ compensation insurance is a legal requirement. It’s also a wise investment in your business and your employees. We can help you protect your most valuable assets, the people who keep your practice running, so that you can focus your attention on the patients you serve.
Employment Practices Defense– Hiring and firing in this day and age is tricky business. There are laws that protect employees from harassment, sexual misconduct, and discrimination. Because there are so many subtleties in the law it’s best to create policies that discourage harassment and discrimination and go the extra mile of purchasing this important insurance coverage for those times when policies aren’t enough.
Exclusions to Consider
Different policies and plans have different incidents or treatments that are excluded from coverage as part of professional dentists’ insurance. Among the commonly excluded practices are the following:
- Dental Anesthesiology
- Oral Pathology
- Oral Radiology
- Oral Surgery
- Skin Treatments
- Surgeries performed within the specialties of: endodontics, orthodontics, prosthodontics, periodontics, and pediatric dentistry.
- Surgical Implants
Why Professional Protective Alliance?
An 80 year history of service doesn’t happen by accident. Professional Protective Alliance has been dedicated to providing superior service and a wide selection of top insurance products to our customers for each of those years. It’s this same dedication we take with us into the future as we work to get our clients the best possible dentist insurance policies.
Call Professional Protective Alliance today at 800-864-3952 to learn how we can help you get the insurance you need to protect your dentist practice.
“Choosing insurance is a tremendous responsibility, and we are delighted to assist in that process. We consider your needs personally, and intelligently.”