Types of Professional Dentistry Insurance Policies

Since 1919, CM&F Has Been Dedicated to Creating Tailored, Affordable, and Comprehensive Malpractice Insurance Coverage.

CM&F Group has grown to offer malpractice insurance for over 200 healthcare professions including dentistry professionals. Dental malpractice insurance, also known as dental professional liability insurance is insurance coverage that protects dentistry professionals from lawsuits in the event an incident or negligence claim arises. Professional liability dental insurance is a basic necessity for all active practitioners, and adding on a few coverage options below can ensure your career, assets, and future are fully protected.

Dental Hygienist with Patient

What is professional dental liability insurance?

Professional dentistry liability insurance, also known as dentistry malpractice insurance, protects dental professionals from claims associated with wrongful practice resulting in bodily injury, medical expenses and/or property damage, as well as the cost of defending lawsuits related to such claims. There are two types of dental insurance coverage: occurrence and claims-made policies. Occurrence policies accommodate long tail events, or situations that don’t produce lawsuits or claims right away. A claims-made policy offers coverage only when a claim is filed during a policy period. While a claims-made policy may have a lower premium than occurrence, a claims-made policy owner may need tail coverage to protect themselves from claims made after the policy expires.

Some examples of malpractice claims include:

  • Failure to diagnose an existing medical condition that a reasonably competent professional is capable of diagnosing
  • Improper patient care or negligent dental treatment that negatively impacted a patient
  • Failure to warn a patient of all the possible risks involved with a procedure or treatment method

What is workplace liability insurance?

Workplace liability insurance protects AOM business owners from financial losses should an employee or patient be injured in the workplace. The injury can be both work-related, or simply just an unfortunate accident. All of CM&F’s acupuncture group professional liability insurance policies include workplace liability coverage.

Some examples of workplace liability claims include:

  • A patient comes to your office and they slip on a wet tile causing injury
  • An employee suffers an injury while performing their job on-site

What is general liability insurance?

General liability for dentistry professionals covers physical risks, such as bodily injury or property damage. It differs from professional liability insurance, which is coverage for errors and omissions in provider services. General liability is available as an add-on to self-employed dental insurance policies, as well as dental group liability insurance holders with CM&F.

Some examples of general liability claims include:

  • A patient that suffers a slip and fall incident at a workplace
  • Property damage that you or an employee is responsible for causing

What is cyber liability insurance?

Cyber liability insurance covers the cost for a business to recover from a data breach, virus, or other cyberattacks where patient PII is compromised. It also covers the legal claims that result from a patient data breach. Dentistry group/clinic owners should invest in a cyber liability insurance policy to protect the future of their business.

Some examples of a cyber liability claim include:

  • Computer software is stolen that contains sensitive patient information. The cost to rectify the situation is covered by cyber liability insurance.
  • A spyware virus compromises patient information. In turn, patients with information compromised by the virus file a lawsuit. The cost of legal fees will be covered with cyber liability insurance.

At CM&F, we believe in the importance of a lifelong relationship. We want to be a valuable provider from your first day as a dental student until the day you retire. It is our hope to serve as a partner in your career, offering help and guidance along the way.

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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:

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