Dentist Malpractice Insurance

Professional Liability Insurance Program For Dentists


About This Coverage

  • Provides dentists with insurance coverage for defense costs and indemnity payments for covered claims arising from alleged errors or omissions for professional services.
  • Annual policies: occurrence and claims-made available

Program Eligibility

  • Groups or Individual Licensed Dentist
    • Multiple dentists providing services under a corporate entity or DBA
  • Each dentist will be rated separately with their own Prior Acts Date (does NOT automatically include ICs)

Program Features

  • Student Dental program for only $20 annually. Apply Now
  • Defense costs are provided in addition to the limits of liability.
  • You will have your own defense attorney assigned by the Insurer to represent your interests.
  • During the policy period, coverage is in force 24/7, even if you change jobs or have multiple jobs.
  • Professional Liability
    • $1,000,000 per claim / $3,000,000 annual aggregate
  • License Protection Defense
    • $50,000 per claim / $50,000 annual aggregate
  • Peer Review Committee Defense
    • $50,000 per claim / $50,000 annual aggregate
  • Deposition Representation
    • $2,500 per claim / $7,500 annual aggregate
  • Medical Payments
    • $5,000 per patient / $10,000 annual aggregate
  • Damage to Property of Others
    • $500 per patient / $2,500 annual aggregate
  • Sexual Misconduct/Abuse
    • Defense coverage only
  • Information Privacy Coverage (HIPAA)
    • $10,000 per claim / $10,000 annual aggregate
  • Supplemental Coverages Also Available:
    • Information and Network Security: $25,000 per claim / $25,000 annual aggregate
    • Media Liability: $25,000 per claim / $25,000 annual aggregate
    • Regulatory Privacy Proceeding and Regulatory Fines & Penalties: $25,000 per claim / $25,000 annual aggregate
    • Customer Notification and Credit Monitoring Expense: $10,000 per claim / $10,000 annual aggregate
    • Electronic Data Recovery and Replacement Expenses: $10,000 per claim / $10,000 annual aggregate

Coverage Limits

  • $100,000 per incident / $300,000 annual aggregate
  • $1 Million per incident or occurrence / $3 Million annual aggregate
  • $2 Million per incident / $4 Million annual aggregate

Underwriter

  • In select states: Great Divide Insurance Company is a member of Berkley
    Rated A+ (Superior), Financial Size Category XV by A.M. Best Company
    Where applicable, additional markets may be utilized.

Disclosures

Program Administrator

  • 360 Coverage Pros is administered by Gallagher Affinity, a global insurance brokerage, risk management and consulting services firm.
  • Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.