Dentist Professional Liability Insurance

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About This Coverage

  • Provides dentists and dental students 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
  • Important: This is a claims made and reported policy. Claims must be submitted immediately in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

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


  • In select states: Great Divide Insurance Co., a Berkley Company
    Rated A+ (Superior) by A.M. Best for its ability to pay claims.
    Where applicable, additional markets may be utilized.


Program Administrator

  • 360 Coverage Pros is administered by Gallagher, a global insurance brokerage, risk management and consulting services firm. Founded in 1927, Gallagher has operations in 33 countries and offers client service capabilities in more than 150 countries around the world through a network of correspondent brokers and consultants.
  • Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions for more information.
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