Insurance for Dentists | Dental Malpractice | Professional Protector Plan | Dental Professional Liability Insurance

Distinctive Insurance Coverage for Dentists

The PPP has a forward-thinking philosophy with the modern dentist in mind, catering to all dental specialties.
Our program offers strong financial staying power through our insurance carrier, AAIC. Rated “A” excellent by
A.M. Best, their financial strength allows the program to remain stable through constantly changing
market conditions.

Design a package policy as unique as you are

Professional
Liability

Full Consent to Settle
No claim against you can be settled without your consent
Vicarious Liability
Coverage extended for the acts or omissions of other dental staff for which you are legally responsible
Disciplinary and Licensure Board Defense
Up to the Professional Liability Limit – Fees, costs, and expenses to defend you in actions prompted by an otherwise covered injury or damage
First Aid
Pays for medical expenses when someone is accidentally hurt during treatment, regardless of who may be at fault

Click here to learn more about the benefits of the PPP program

Availability subject to state approval.

General
Liability

Medical Payments
$10,000 limit – cover claims made for reasonable medical expenses necessitated by accidents on your premises, regardless of who may be at fault
Fire and Water Legal Liability
$500,000 limit automatically provided – covers you against claims from your landlord for fire and water damage to space occupied by you and caused by you or your employees
Medical Waste Defense
$50,000 limit – reimburses you for defense if you are sued for improperly disposing of medical waste
Hired and Non-owned Automobile Liability
$1,000,000 limit – covers claims when your employees use their cars on your business

Click here to learn more about the benefits of the PPP program

Availability subject to state approval.

Property
Coverage

Valued Practice Income
Automatically pays lost daily income, after a 24-hour waiting period, for the number of days and amount you select in advance, due to covered losses resulting in the closing of your practice
Dentist’s Electronic Equipment
$50,000 limit – provides protection for your computer hardware and software, phone system, x-ray and other electronic equipment from direct physical loss including electrical disturbance
Employee Dishonesty
$35,000 limit money & securities, $25,000 limit welfare & pension plan – covers you for your loss arising out of dishonest acts by your employees
Sewer Back-up
$25,000 limit

Click here to learn more about the benefits of the PPP program

Availability subject to state approval.

Additional
Coverages

Cyber Liability
Provides coverage for claims and expenses resulting from a data breach
Employment Practices Liability
Defense Coverage ($25,000 each claim, $25,000 aggregate) – pays for attorney fees and court costs when an allegation of sexual harassment, discrimination or wrongful termination is made against you by an employee. Optional employment practices liability defense & indemnity endorsement provides a combined limit for defense and indemnity – limits up to $1,000,000 available
ERISA Fiduciary/Employee Benefits Liability
Limits up to $1,000,000 available
Building Coverage
Replacement cost basis up to the limit of liability with automatic quarterly inflation guard. Buildings must be insured to 100% of their replacement cost value
PPP Gold & Platinum Property Enhancements
Increases limits in various automatic coverages provided on the PPP policy
HVAC and Equipment Breakdown
Optional coverage for sudden and accidental breakdown of boiler, machinery, dental equipment, or HVAC equipment. Includes pollution clean-up, removal and additional expenses up to $25,000
Fungi, Wet Rot, and Microbe
Optional $25,000 limit available

Click here to learn more about the benefits of the PPP program

Availability subject to state approval.

Workers’
Compensation

The Professional Protector Plan® for Dentists (PPP) is working with Markel Insurance, an A+ rated carrier, to provide a workers’ compensation solution for dental office. Here are a few of the benefits you get with a Markel policy:

Needle Stick Reimbursement Program available to PPP insureds
Designed to pay for tests on patients and employees when there is an accidental needle stick during patient dental treatment
Markel will pay the initial cost of testing the source patient in accordance with applicable policy language and your states’ workers compensation statutes
Knowledgeable, experienced, in-house claims team that, when an incident occurs, handle your claim in a prompt manner
Risk management and loss control tools to help you identify and mitigate loss drivers:
Risk Management newsletters
Safety tips—Written resources and safety video library
Emergency preparedness techniques
Risk Management website available to assist in providing important tools for your operation

For more information about Markel’s workers’ compensation benefits, contact one of our dedicated state administrators.

*Not available in Idaho, Montana, North Dakota, Ohio, Oregon, Washington, Wyoming

Specialty Lines
(Non-Standard Market)

The PPP Specialty Lines Insurance Program is specifically designed for dental professionals who are unable to obtain liability insurance through a standard lines carrier. We handle hard to place exposures that do not fit the standard policy form.

High risk or unique dental exposures
Services and exposures outside of traditional dentistry
Board complaints
Dentist must be in compliance
Past substance abuse
Must be currently in or have completed a treatment program
Claims severity or frequency
License suspensions
Must be current to insure
Dentists who have been cancelled, non-renewed or who have practiced without insurance
Details must be provided at application for coverage

For Inquiries and more information please contact:

NAME: Sara Nice, AINS
EMAIL: [email protected]
PHONE: 813-222-4204

NAME: Ryan Kramer
EMAIL: [email protected]
PHONE: 813-222-4015

Click here to learn more about the benefits of the PPP program.

Availability subject to state approval.

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Distinctive Insurance Coverage for Dentists

Professional
Liability

General
Liability

Property
Coverage

Additional
Coverages

Workers’
Compensation

Specialty Lines
(Non-Standard Market)

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Products

Distinctive Insurance Coverage for Dentists

Professional Liability

GeneralLiability

Property Coverage

Additional Coverages

Workers’ Compensation

Specialty Lines (Non-Standard Market)

Professional
Liability

General
Liability

Property
Coverage

Additional
Coverages

Workers’
Compensation

Specialty Lines
(Non-Standard Market)