PM Dental Protect©: Professional Liability Insurance for Dentists
One unexpected claim could threaten everything you've worked for: your license, your financial well-being, your career.
Whether it’s a patient misunderstanding or a board investigation, the risks are real. PM Dental Protect is professional liability insurance for dentists, built by professionals who understand the dental industry.
Developed by licensed dentists and insurance specialists, PM Dental Protect policies go beyond generic malpractice coverage to address risks dentists face every day. Our specialized liability insurance helps protect the investment you've made in your career, so you can be sure you're covered when you need it most. From patient care to teaching and volunteering, your coverage goes where you go.
Comprehensive Professional Liability Insurance for Dentists
PM Dental Protect policies help protect a wide range of dental professionals, no matter your practice size. Our coverage options make it easy to get comprehensive coverage tailored to your needs, while our robust risk management program helps you reduce your risk of claims before they happen.
Serving Dental Professionals
With PM Dental Protect, dentists have the flexibility to choose between Claims-Made and Occurrence policies based on their long-term protection needs.
Our liability protection supports a wide range of dental professionals, including:
- General dentists
- Dental specialists
- Student dentists
- Part-time dentists
- Dental groups
- Professional dental faculty
- Dentists providing education outside of academic institutions
PM Dental Protect products also include professional liability insurance for dental hygienists and other essential support professionals. Additionally, we offer specialized coverage and pricing for student dentists.
Protecting Dental Practices of All Sizes
We believe insurance coverage should be simple and practice-friendly, regardless of practice size. PM Dental Protect policies offer coverage for:
- Individual dentists
- Multiple dentists within one practice who want one policy
- Small groups
- Large groups
- Corporate-operated practices
- Entities
Providing More than Insurance Coverage
With decades of combined experience mitigating risks in healthcare settings, our risk management team stays on top of emerging risks in the dental industry. The team uses their knowledge and experience to develop complimentary risk management resources for dental professionals, including:
- Risk intel reports and newsletters
- Quarterly webinars
- On-demand education, with CE available
- One-on-one consultations
- Access to an on-staff licensed dentist
For more information on products and coverage, contact your local field agent.
What’s Included in Dentist Professional Liability Coverage?
Professional liability insurance helps protect you while performing dental services. PM Dental Protect policies are designed to cover any service you're licensed to perform as a dental professional.
Whether you're a single provider running your own practice or working as part of a multi-doctor operation, your PM Dental Protect coverage helps protect your work from malpractice claims.
Specialized coverages automatically included in your professional liability policy include:
- Coverage That Follows You: PM Dental Protect provides professional liability coverage no matter where you practice, whether you're in the clinic, teaching, volunteering, serving as an expert witness, and more.
- License Defense: $100,000 of license defense coverage, without additional premiums.
- Dental Injectables: Covers you if injectables, such as Botulinum toxin or dermal filler, are deemed necessary as part of the patient's dental treatment plan.
- Medical Expense: Helps pay for medical bills with up to $5,000 per patient and $10,000 aggregate.
- HIPAA Proceeding Supplementary Payments: Provides coverage for legal expenses related to allegations of HIPAA violation at up to $50,000.
- Consent to Settle: We will not settle a claim without your consent in states that allow for it.
Optional Coverages
In addition to standard coverages, PM Dental Protect policies make it easy to customize your coverage with optional endorsements, including:
- Cosmetic Injectables: Covers you when performing non-dental-related cosmetic injectable services.
- Sexual Misconduct and Physical Abuse: Helps cover the costs of claims related to wrongful acts involving sexual misconduct or physical abuse.
- Extended Reporting Period (Claims Made only): Coverage that applies after a policy is cancelled or non-renewed, or due to the death, disability, or retirement of an insured dentist.
- Prior Acts: This endorsement converts a Claims-made policy to an Occurrence policy.
- Medical Waste Defense Expense Reimbursement: Up to $50,000 defense coverage.
Limits of Liability
PM Dental Protect policies are available with limits from $1 million per occurrence and $3 million aggregate 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 Dentists Trust PM Dental Protect
Professional liability insurance allows you to protect the career and practice you've worked so hard to build. With PM Dental Protect, you can rest assured knowing that your coverage is backed by an insurance carrier with more than a century of experience protecting healthcare professionals, including dentists.
See why dentists across the country are trusting PM Dental Protect for professional liability coverage:
• Over 115 years of experience protecting healthcare business owners, including dentists.
• An on-staff, licensed dentist who understands the real risks you face as a practicing dentist—and how to manage them.
• Experienced defense counsel and claims staff with fast, reliable claims service.