Professional Liability Insurance for Dentists

Limits of liability and what we cover Include:

• Professional Liability - Limits of $500,000 per occurrence and $1.5 million aggregate (optional higher limits of coverage available) 
• Sexual Misconduct or Physical Abuse Defense - $500,000 or $1 million each insured 
• Defense Costs - in addition to coverage limits. Claims will not be settled without your consent, unless otherwise authorized 
• Medical Expenses – $5,000 each patient and $10,000 each insured 
• Administrative Disciplinary Actions (legal expense) – $50,000 each insured 
• HIPAA Claim (legal expense) – $50,000 each insured 
• Lost Earnings – for assisting in defense of claim at our request - $500 per day, $20,000 maximum 

Optional Coverages Available:

• Extended Reporting Period (claims-made only) – Report a claim after coverage is cancelled or non-renewed, or due to the death, disability, or retirement of an insured dentist 
• Medical Waste Defense Expense Reimbursement - $25,000 limit 
• Medicare / Medicaid Billing Fraud Defense Expense Reimbursement – $25,000 limit 
• Prior Acts – Converts an existing claims-made policy to an occurrence policy 

Other Features: 

• Claims-Made or Occurrence Policy form available 
• Multiple dentists within one practice may be insured together and maintain separate or shared policy limits 
• Dental entity may also be included in coverage

Policy terms and conditions control.
Coverage may not be available in all states and territories.

At Pharmacists Mutual, we believe every dental professional, regardless of role, practice, or career stage, deserves the best personal liability coverage. That’s why we cover:

• General Dentists
• Student Dentists
• Retired Dentists
• Locum Tenens
• Orthodontists
• Pediatric Dentists
• Periodontists
• Prosthodontists
• Endodontists
• Nurse Anesthetists
• Dental Hygienists
• Dental Assistants

Pharmacists Mutual’s professional liability insurance policies are tailored specifically to protect dentists’ livelihood and reputation, because the Pharmacists Mutual's mission is to help our members attain peace of mind through specialized insurance products, risk management solutions, and superior personal service.

While not all states require business insurance for dentists, the risks for not carrying insurance are tremendous. When determining what type of individual liability coverage you need, it’s useful to consider any number of scenarios. Consider these:

• What if you were accused of failing to diagnose cancer?
• What if you were accused of failing to prescribe antibiotics for an infection, and the patient required heart valve replacement surgery?
• What if you cause your patient a lingual nerve injury?

These types of questions can highlight the deficiencies in practicing while uninsured or underinsured. If there is a claim or litigation, you have coverage, including attorney and legal representation, claims investigation, reimbursement of lost wages, and coverage of court costs. Our professional liability insurance policy is tailored specifically for you.