Types of Professional Dentistry Insurance Policies

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.

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.

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.