Excess & Surplus Lines Coverage Available

Available Limits

• Limits vary from $100,000 per claim $300,000 aggregate to $1 Million per claim $3 Million aggregate
• Minimum per claim deductible not required

• No cap on numbers of dentists within a group
• World-wide coverage
• Claims-made coverage
• No consent to settle
• Expense within the limits of liability
• Corporate/entity coverage only to the extent of named insured’s liability and on a shared limit basis
• Twelve-month extended reporting period (ERP) option
• No flat cancellation and 25% minimum earned premium

• Fully complete, signed and dated application.
• Other carrier’s applications acceptable for premium indication. CNA application is required if indication is accepted. The application must be received prior to binding.
• A copy of applicant’s current business letterhead: If not available, a letter of explanation is required. A copy of a billing statement or voided prescription sheet is acceptable.
• Complete claim data (past 10 years), including those claims that are closed without payment, pending or paid.
• The Supplemental Claim Information Form must be completed for each claim or incident which has occurred.
• Copy of applicant’s current declaration page
• Board transcripts must accompany any submission where the dentist has been the subject of a board inquiry. Compliance with any board stipulations must also be submitted. Indications will not be provided without this information.
• Applicants with any impairments must submit a treating physician statement.
• Premium indication will not be provided without a statement. This statement must be updated each year at renewal.
• License Verification - All applicants must have their licensed checked annually for board actions and active status. License action can be obtained via Internet or telephone call to the board.
• Evidence of Insurance for all dentists who the applicant shares space with, all non-CNA insured independent contractors and/or employee dentists. Certificates showing policies, which have expired, are not acceptable.
• Oral Surgeons Questionnaire (must be completed by all oral surgeon applicants)
• Insurance History - Any applicant who indicates he has practiced without insurance, had professional liability insurance refused, cancelled or non-renewed, must provide details including the dates and reason.

For more information contact the agent in your state or Excess and Surplus Production Coordinator Don Hickle at 800-237-2021 ext 4368 or dhickle@bbprograms.com.