Dental malpractice insurance, provides professionals with protection from patients or coworkers who claim their negligence at work caused an injury.
This could be a wrong diagnosis, an infraction of HIPPA privacy laws, or any number of things. While many employers may claim to cover malpractice related claims, it is always best for dentistry professionals to have their own policy in their name. If not, their interest could be viewed as secondary to the employer, clinic, or office that owns the policy.
What types of dentistry professional malpractice insurance policies does CM&F offer?
There are two types of basic malpractice insurance policy options: Occurrence and Claims-Made. CM&F offers occurrence malpractice insurance for dentists, in addition to claims-made policies. An occurrence policy means that if a claim is made against a dental professional regarding a past incident that occurred during a time they were previously covered under CM&F liability insurance, that claim will be covered by CM&F even if the dental professional has since ended their liability coverage. Since most malpractice claims are made 18-24 months after an incident occurs, this type of protection is very important. Claims-made insurance policies only protect professionals if they have insurance at the time of the claim. With occurrence policy insurance, there is no need for dental professionals to renew or buy tail coverage should they choose to leave CM&F or retire.
CM&F dentistry malpractice insurance for dental professionals is portable, which means as the dental professional moves, so does the coverage. CM&F’s malpractice insurance is attached to the individual dental professional, not their place of work. Not having your own, portable coverage separate from your employer’s shared policy limits your protection to duties performed for that sole practice. For dentistry professionals who moonlight, work at multiple places, or have private clients, a portable malpractice insurance plan is a must – and with CM&F, only one policy is required to cover the individual at any amount of workplaces.
CM&F was founded over a century ago. Through up and down markets, CM&F’s dedication to dental professionals has never wavered. CM&F remains committed to making it easy and cost-effective to secure vital professional insurance coverage with: