PM Dental Protect©: Professional Liability Insurance for Dental Hygienists
You've dedicated your career as a dental hygienist to providing quality patient care, but just one misunderstanding could lead to a claim against you. The cost of a malpractice lawsuit could damage your finances and your career, even if the claim is baseless. PM Dental Protect provides comprehensive professional liability insurance for dental hygienists to help protect you from the costs of claims against you.
PM Dental Protect policies aren't just generic malpractice insurance. We leveraged the knowledge of licensed dental and insurance professionals to make sure coverage addresses the real risks facing dental professionals, including dental hygienists. With PM Dental Protect, you get the confidence to know you're protected so that you can focus on excellent patient care.
Comprehensive Professional Liability Insurance for Dental Hygienists
PM Dental Protect is professional liability insurance coverage for dental hygienists and other dental professionals. Coverage includes a wide range of potential claims, such as claims of failure to diagnose a disease or an injury during examination. Hygienists can choose from Claims-Made or Occurrence policies to best fit their long-term coverage needs.
We also offer PM Dental Protect professional liability policies for dentists, including dental specialists, and student dentists.
Why Do You Need Your Own Professional Liability Policy as a Dental Hygienist?
Many dental professionals believe they're covered under their employer's professional liability insurance and don't need to carry their own. While your employer's insurance may cover you in certain circumstances, coverage is likely not all-encompassing.
Having your own professional liability insurance as a dental hygienist is a small investment with significant benefits. Maintaining an individual policy means it follows you wherever you work, avoiding gaps in coverage if you switch jobs or there’s a change in your employer’s insurance coverage. Hygienists who work in multiple offices or on a temporary or freelance basis especially benefit from carrying their own professional liability coverage. Additionally, some states mandate that dental hygienists maintain their own individual professional liability coverage.
Coverage Where You Work
PM Dental Protect policies don't limit your professional liability coverage to full-time work. We offer coverage for a wide range of dental professionals, including:
- Full-time hygienists
- Part-time hygienists
- Student hygienists
- Hygienist instructors
And no matter where you go, your coverage follows you, whether that's volunteering, teaching, or providing expertise as an expert witness.
Additional Support for Dental Professionals
Comprehensive professional liability insurance means more than just great coverage in case of a claim. With a PM Dental Protect policy, you get access to our robust risk management program, including:
- Risk intel reports and newsletters
- Quarterly webinars
- On-demand education, with CE credits available
- One-on-one risk consultations
- Access to an on-staff, licensed dentist
For more information on products and coverage, contact your local field agent.
What Does Dental Hygienist Professional Liability Insurance Cover?
PM Dental Protect professional liability insurance covers any procedure you're licensed to perform as a dental hygienist in the state or states where you practice.
Specialized coverages automatically included in your PM Dental Protect professional liability policy include:
- Coverage That Follows You: Your policy provides professional liability coverage no matter where you practice, whether you're working in a clinic, volunteering, teaching, or more.
- License Defense: $25,000 of license defense coverage, without additional premiums.
- Medical Expense: Helps pay for medical bills of injured patients with up to $5,000 per patient and $10,000 aggregate, per insured.
- HIPAA Proceeding Supplementary Payments: Provides coverage for legal expenses related to allegations of HIPAA violation at up to $25,000.
- Consent to Settle: In states that allow it, we won't settle a claim without your consent.
Limits of Liability
PM Dental Protect insurance for dental hygienists is available with limits from $100,000 per occurrence and $300,000 aggregate, and up to $5 million per occurrence and $5 million aggregate. Additionally, we offer a range of deductible options, allowing you to tailor your policy to your specific preferences.
Why Dental Hygienists Trust PM Dental Protect
You spend each day bringing precision and care to your patients, and your insurance should do the same for you. PM Dental Protect professional liability coverage is built with hygienists and other dental support professionals in mind.
Sign up for PM Dental Protect professional liability insurance and get access to:
- An insurance company with over 115 years of experience protecting healthcare professionals.
- An on-staff, licensed dentist who understands the risks facing dental professionals and can provide knowledgeable support in the event of a claim.
- A risk management program that helps you better understand and mitigate your professional liability risks.