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Trust the Dental Liability Experts

Professional Coverage: Did you know that the monetary value of malpractice claims against dentists is on the rise? A single lawsuit could cripple you financially and tarnish your reputation and future. At First Underwriters, we understand the risk involved in dental practice and are committed to providing you with the coverage you need when you need it most. Our professional liability policy is tailored specifically for you, to safeguard the investment you have made in your career

As A Dentist Do I Need Coverage?

Malpractice can be real or perceived.  Of the 5,588 dental malpractice claims reported to CNA over a 5-year study period, 35% resulted in no payment to the plaintiff.   The case was either successfully defended at trial, the patient dropped the complaint, or the court dismissed the case prior to trial.

 
Even though there was no plaintiff payment in these cases, it cost an average of $10,137 to defend them.  This is an important component of professional liability insurance.  In addition to court settlements and judgments, it pays unlimited legal expenses, like attorneys’ fees and court costs.
 
Additional data from CNA’s 5-year study:

  • The average dental malpractice claim (payment plus legal defense) costs $107,915
  • 20% of dental malpractice claims resulted in a payment of between $10,000 and $1 million
  • Oral surgeons have the highest malpractice claim severity, an average cost of $249,689
  • The most frequent procedures that result in malpractice allegations are:
    • Extractions (22%)
    • Root canal therapy (19%)
    • Implants (11%)
    • Crowns (11%)

 
Resource: CNA Insurance, October 2017.

Business Owners Policy Dental Practice Insurance: Like your home, your place of business is your castle.  You’ll need to protect it wisely.  Whether a windstorm blows off your roof, a piece of equipment breaks down, or a patient files a product liability claim against you—it is important to have the proper coverage in place before the incident occurs.

The insurance industry offers several methods for insuring offices.  The Business Owners Policy is your best buy.  It offers the most coverage at an affordable rate.  It also provides tremendous flexibility.  As your practice grows, the BOP offers a variety of optional endorsements that allows it to grow with you.

Commercial Umbrella Liability:  The umbrella liability policy gets its name by the way it fits over top of other insurance like an umbrella.* 

The maximum liability limits you can get on the Business Owners Policy is $2 million per claim.   Personal injury lawsuits can certainly go higher than that amount.  In the case of a catastrophic accident like a brain injury, $2 million may not be enough to stop someone from going after your assets.

Introducing umbrella liability.  It bumps your liability limits—and your peace of mind—up to $10 million. 

Workers’ Compensation: In most states, employers are deemed responsible for their employees’ physical health while they are at work. 

Workers’ compensation insurance provides benefits if an employee has a work-related injury or illness.  For example, a dental hygienist injures her back while lifting a chair, gets hurt in a car accident while picking up lunch for the staff, or contracts a bloodborne pathogen from a needle stick.

In each of these cases, workers’ compensation would pay your employee’s medical bills and a percentage of their lost wages, typically two-thirds of their pre-disability income.

Commercial Property Insurance Coverages

Did you know that the monetary value of malpractice claims against dentists is on the rise? A single lawsuit could cripple you financially and tarnish your reputation and future. At First Underwriters, we understand the risk involved in dental practice and are committed to providing you with the coverage you need when you need it most. Our professional liability policy is tailored specifically for you, to safeguard the investment you have made in your career

Like your home, your place of business is your castle.  You’ll need to protect it wisely.  Whether a windstorm blows off your roof, a piece of equipment breaks down, or a patient files a product liability claim against you—it is important to have the proper coverage in place before the incident occurs.

The insurance industry offers several methods for insuring offices.  The Business Owners Policy is your best buy.  It offers the most coverage at an affordable rate.  It also provides tremendous flexibility.  As your practice grows, the BOP offers a variety of optional endorsements that allows it to grow with you.

The umbrella liability policy gets its name by the way it fits over top of other insurance like an umbrella.* 

The maximum liability limits you can get on the Business Owners Policy is $2 million per claim.   Personal injury lawsuits can certainly go higher than that amount.  In the case of a catastrophic accident like a brain injury, $2 million may not be enough to stop someone from going after your assets.

Introducing umbrella liability.  It bumps your liability limits—and your peace of mind—up to $10 million. 

In most states, employers are deemed responsible for their employees’ physical health while they are at work. 

Workers’ compensation insurance provides benefits if an employee has a work-related injury or illness.  For example, a dental hygienist injures her back while lifting a chair, gets hurt in a car accident while picking up lunch for the staff, or contracts a bloodborne pathogen from a needle stick.

In each of these cases, workers’ compensation would pay your employee’s medical bills and a percentage of their lost wages, typically two-thirds of their pre-disability income.

- Dentists Professional Liability Insurance -

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