Malpractice and Disability Insurance for New Dentists
Your career starts now. So does your coverage.
Get a QuoteProtect your career and your income
- 01
Malpractice Insurance
Compare policy types, limits, and available new-graduate discounts for coverage of your professional liability.
- 02
Disability Insurance
Explore income protection if a covered illness or injury prevents you from working. Understand the disability definition, monthly benefit, waiting period, and options to increase coverage as your income grows.
- 03
Employer Coverage Review
Review employer-provided malpractice coverage and disability benefits to understand what is included and where an individual policy may help.
- 04
Career Coverage Planning
Plan for changes in employers, income, work locations, or practice ownership, with malpractice and disability coverage that can be reviewed as your career develops.
What we recommend for new graduates
Common insurance questions from new dentists
You may not need a separate policy if your employer provides suitable coverage. We review whether you are covered individually, whether limits are shared, which services and locations are included, and whether the policy is occurrence or claims-made. We also help you understand who is responsible for tail coverage if you leave.
Your premium depends on your state, specialty, coverage limits, policy type, and carrier. New-graduate discounts may be available, and claims-made premiums can increase as the policy matures. We help you compare quotes and understand the longer-term costs, including any potential tail coverage expense.
Confirm that appropriate malpractice coverage is effective before you begin treating patients. That may be through your employer, your own policy, or a combination. We review the coverage available to you and help identify whether additional protection is needed.
We review your first position, employer-provided coverage, and income protection needs. We explain malpractice policy types and disability policy features, compare available options, and help you choose appropriate coverage. We also help with renewals and coverage changes as your career develops.
Occurrence coverage generally responds to covered treatment provided during the policy period, even if the claim is made later. Claims-made coverage generally requires the claim to be made and reported while the policy is active, with treatment on or after the applicable retroactive date.
If claims-made coverage ends, you may need tail coverage to extend the reporting period for eligible past incidents, or prior-acts coverage from a new insurer. Policy terms and eligibility matter. We help you compare both options before you choose.
Your ability to earn an income is important from the start of your career. Disability insurance can provide a monthly benefit if a covered illness or injury meets the policy’s definition of disability. We help you compare benefits, waiting periods, benefit periods, and options to increase coverage as your income grows.
Review the definition of disability, including any own-occupation provisions, as well as the monthly benefit, waiting period, benefit period, exclusions, and options for partial disability. Also check whether employer-provided benefits continue if you change jobs. Policy definitions and available options vary, so we help you compare the actual terms.
Next Step
Starting out? We will help
Start with a clear review of your malpractice and disability insurance. We help you understand professional liability coverage, income protection, and any benefits your employer provides. Compare your options and choose coverage for the next step in your dental career.
Schedule a 15-Minute Coverage Review