Dental Malpractice Insurance

What is Dental Malpractice Insurance?

Dental malpractice insurance, also known as professional liability insurance, is insurance coverage designed to cover the legal expenses, as well as protect personal assets, of dentistry professionals in case of a malpractice claim. Coverage under an employer often does not offer enough protection for dentistry professionals because the policy prioritizes the needs of the employer first. Malpractice insurance allows dental professionals to perform their work duties without fear of litigation.

What Risks Do I Face That Warrants Dental Malpractice Insurance?

Dental professionals are responsible for the health of the teeth and gums of patients. There are many procedures that go into maintaining dental health such as cleanings, root canals, cavity fillings, and oral surgery. If an accident were to occur during any of these procedures, dental professionals could face malpractice claims. Whether the claims are ultimately true, or not, dental professionals could pay large expenses in legal or settlement fees. The best protection against harmful allegations is having a comprehensive dental malpractice insurance policy.

Dentistry professionals covered by our malpractice insurance includes:

CM&F

Why CM&F For Dental Malpractice Insurance Coverage?

Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!

For more than 25 years, CM&F Group has been protecting dental professionals from potentially damaging lawsuits that arise from malpractice claims. We are dedicated to protecting the livelihood of dentistry professionals across the US. Whether you’re a dental assistant or dental hygienist, the dedicated professional liability insurance specialists at CM&F will ensure that your career is protected by our industry-leading malpractice insurance. CM&F is a provider of dental malpractice insurance that is affordable and tailored to cover your professional risk with coverage options as high as $2 million per claim.

We provide business liability insurance for healthcare groups or clinics. So we know first hand that should a claim arise, unless the policy is YOUR OWN, your interests could be viewed as secondary to the employer, clinic or office who owns the policy.

Your policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered. Select your profession from our directory or contact us for more information!

Find Out Why The Best Organizations And Hundreds of Your Peers Recommend CM&F!

What is the difference between malpractice insurance and professional liability insurance?

These terms are both interchangeable. Malpractice insurance is a liability insurance specifically designed to protect medical professionals.

Does having my own individual professional liability insurance policy make me a more likely target for a lawsuit?

Absolutely not. In fact your insurance status is not discovered until you have been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against any allegations.

Does my employer’s professional liability insurance cover me?

Most employers do provide some level of malpractice insurance for their employees. The only way to know for certain is to ask for a certificate of insurance every year to confirm that you are a "named insured." Millions of medical professionals purchase personal professional liability insurance, also known as medical malpractice insurance, protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license, your personal assets and financial future is ALWAYS the best option. CM&F offers both individual liability insurance and group liability insurance.

I’m starting my own company. Do you have a policy that will cover my company for malpractice?

Absolutely. We have liability coverage for individuals, sole-proprietors, clinics, schools and groups. Get in touch with us to discuss your needs.

What limit of liability does CM&F recommend?

The liability limits depend on a number of factors and is a very personal decision. Though we offer policy limits up to $2,000,000 per claim, we typically recommend that liability protection of $1,000,000. With that said, we understand the many factors that impact this choice, including cost and state regulations. Call our team to discuss your options.

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