Your coverage is secured by the Swiss Reinsurance Company, a major insurance provider with an A+ rating from AM Best., Malpractice insurance, also known as professional liability insurance, protects licensed professionals from liabilities associated with wrongful practices resulting in injuries or damages. For such a reasonable amount, you’ll have peace of mind knowing that is something terrible were to happen and you were named in a lawsuit, you’ll be covered. SVMIC gets our nod for the best doctor's malpractice insurance because it is designed by doctors to meet the unique needs of different types of medical practices. If problems incur to a dental hygienist, the damages should be much smaller and less serious. That’s what we did through CoverWallet to see what the process is like. SVMIC is owned by its policyholders. By specializing in nursing, the Nurses Service Organization is able to keep costs down while addressing the real risks of the job, making it our pick for the best for nurses overall. Accessed December 22, 2020. The types of professionals who should consider dental insurance are: Dental malpractice insurance for hygienists is usually a separate product and also falls under the header of professional liability insurance. Some examples of when you might have a claim are when a root canal leads to nerve damage, failure to refer for further testing on a cancerous tumor of the tongue or bite problems after a crown was placed. It gave us a $71 per year quote with a $1 million per incident and a $3 million aggregate coverage. Accessed December 22, 2020. Journal of Oncology Practitioners. Accessed December 21, 2020. National Association of Insurance Commissioners. After all, accidents happen. The system wants you to call their number, since this a more involved type of small business insurance. Proliability offers a range of coverage options depending on your industry, and you can choose between claims-made or occurrence-based coverage. The insurer offers other business insurance policies so you can get comprehensive coverage, and it has multiple premium discounts for dentists. Create a personalised content profile. Store and/or access information on a device. We also reference original research from other reputable publishers where appropriate. American Dental Association (www.insurance.ada.org) 2. Proliability is our overall choice because they can represent the most classes at competitive pricing. "AM Best Affirms Credit Ratings of United Fire Group, Inc. and Its Property/Casualty Subsidiaries." It doesn’t have other forms of business insurance, and its policies do not include cybersecurity coverage. It’s technically a type of professional liability insurance. Accessed December 22, 2020. There are many different products available, like tail coverage to extend your policy active date, medical waste defense for if you’re charged with illegal disposal of medical waste and whole organization coverage. For over 2 decades, Desert Mountain Insurance has been a selected insurance agent for the Dentist’s Advantage dental malpractice insurance program. Get comprehensive medical malpractice coverage thru one of the longest running programs in the USA. Being a legal term, it best to understand the word malpractice and what it means in the eyes of the law. Insurance providers understand the need for dental professionals to be protected in this industry and offer a variety of insurance options. Good Therapy. Which form you have determines when malpractice claims are covered—and not covered. LEARN MORE ABOUT US Professional Protector Plan for Dentists allows you to fully customize your plan with a variety of products, like professional liability (AKA dental malpractice insurance), general liability, and property coverage. How much this type of insurance costs can vary significantly based on which profession you are part of, how long you have been in the field, and whether you choose an occurrence or claims-made policy. The 5 Best Malpractice Insurance Companies of 2021 Best Overall: The Doctors Company; Runner-Up, Best Overall: MedPro Group; Best for Nurses: Berxi; Best for Therapists and Social Workers: Healthcare Providers Service Organization; Best for Dentists: The Professional Protector Plan Risk management, online CE courses and other benefits are available for insureds. At the end of the day, dentists usually perform much riskier work or operation like root canal or crown placement, which, if problems incur, can be very damaging to the patients. Accessed June 11, 2020. This type of insurance can cost anywhere from around $70 per year to thousands, depending on the type of practice, profession within the industry and time practicing. These include white papers, government data, original reporting, and interviews with industry experts. Dental malpractice insurance covers you as a dentist or dental hygienist, in the case of someone filing a claim against you for harm from the dental procedures performed. The company also covers dentists. It helps, for instance, when one of your clients brings you to court to sue you for medical malpractice or negligence. Claims of negligence and wrongdoing are common for licensed professionals. You can start the process by filling out a contact form and an agent will get in touch with you. We believe in investing in technology without sacrificing service. With decades of experience and an excellent reputation, you can also qualify for discounts to further lower your premium and make your insurance policy more affordable. Trust the Dental Liability Experts Liability insurance is not a commodity. Dentist’s Advantage is operated by Aon Corporation, a major insurance company with an A rating from AM Best.. Throughout Maywood, NJ and beyond, Insurance Center of North Jersey is the go to resource for a wide range of professional liability insurance needs including dentist professional liability coverage. Accessed December 22, 2020. With it, you have protection if a client says you made a mistake or committed some accidental wrongdoing while providing a service, and they sue for damages. >>MORE: Best Professional Liability Insurance Companies for Small Business. Dentist’s Advantage does offer several discounts. For example, the average premium for an obstetrician/gynecologist in California for a $1 million/$3 million policy was $49,804 per year in 2018. Coverage is available for Dental Hygienists that are employed, self-employed or own a practice. Measure content performance. You can get a policy quote online; your insurance premiums are dependent on your location and profession. What Are the Types of Malpractice Insurance? Social workers can use the tools to build their own insurance packages based on questions that directly address a social worker's business practices. A policy can usually be written in 24 hours. Measure ad performance. Each one of those cases can be costly, even when the professional followed every standard and professional protocol. We offer coverage that provides you peace of mind to focus on your patients with premiums* as low as $69. Proliability only offers professional liability coverage. 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