Associate Dentists
Malpractice and Disability Insurance for Associate Dentists
Your patients come first. Your coverage should too.
Get a QuoteReview your malpractice and disability coverage
- 01
Employer Malpractice Coverage Review
Review whether you are insured individually, whether limits are shared, and which services and locations are covered. Understand the policy type and your responsibilities when you leave.
- 02
Individual Malpractice Insurance
Compare an individual policy with the coverage your employer provides. We help you assess limits, policy terms, and coverage for additional employers or work locations.
- 03
Tail and Prior-Acts Coverage
If claims-made coverage ends, review whether tail coverage or prior-acts coverage from a new insurer is needed. Confirm who arranges and pays for coverage before changing jobs.
- 04
Disability Insurance
Compare individual income protection with employer-provided benefits. Review the disability definition, monthly benefit, waiting period, and whether coverage can continue when you change jobs.
What we recommend for associate dentists
Common questions from associate dentists
Employer-provided coverage may be suitable, so a separate policy is not always necessary. Review whether you are named as an insured, whether limits are shared, which services and locations are covered, and how defense costs affect the limits. We help you compare your employer’s policy with individual options.
Tail coverage extends the time to report eligible claims under a claims-made policy after it ends. Whether you need it depends on the policy and any replacement coverage. A new insurer may offer prior-acts coverage back to your retroactive date. Confirm who arranges and pays for coverage before leaving. Occurrence coverage generally does not require a tail.
Read our guide to claims-made and occurrence malpractice insurance.
We can help you understand insurance requirements, such as policy limits and responsibility for tail coverage, and compare them with the policies available to you. An attorney should review the contract’s legal terms. Bring the insurance provisions and policy documents to your coverage review.
Check each policy’s covered services, employers, and locations before starting additional work. DSO or group coverage may have shared limits or other terms that affect you. We help you identify questions for each employer and compare options for your work across practices.
Malpractice insurance addresses professional liability. Disability insurance can provide a monthly benefit if a covered illness or injury meets the policy’s definition of disability. Compare your employer’s benefits with your income needs, including the maximum benefit, waiting period, benefit period, and what happens when you leave the job.
An own-occupation definition generally considers whether you can perform the duties of your occupation. Policies differ in how they define your occupation and treat work in another role. Review the actual definition, any specialty provisions, partial disability benefits, exclusions, and changes to the definition over time.
Next Step
Not sure if your coverage is enough?
Bring your employer’s malpractice policy, disability benefit summary, and any insurance requirements from your employment agreement. We will help you understand your coverage, compare individual options, and plan for your next career move. Start with a no-obligation, 15-minute coverage review.
Schedule a 15-Minute Coverage Review