When working in the dental field, it’s important to care not only about protecting patients, but also protecting yourself and your business. One way to make sure you’re covered is by having malpractice insurance. Hopefully, you’ll never have to use it, but it could be detrimental to your career if you don’t have it when it’s needed.
What is dental malpractice insurance?
Dental malpractice insurance is a form of professional liability insurance. It protects against lawsuits claiming you were negligent while performing dental services and will help cover court fees if necessary.
Some common scenarios that are considered dental malpractice are a chipped or fractured tooth, improper tooth extraction, gum damage, nerve injury, infection from equipment or an unsanitary office, prolonged treatment, failure to diagnose conditions and improper administration of anesthesia.
Why do dentists need malpractice insurance?
Dentists need malpractice insurance because it protects against costly fees and claim expenses associated with a malpractice lawsuit, and it’s even required to be able to practice legally in many states. It also helps you fight against false allegations by providing you with a legal professional.
Why is malpractice insurance important for dentists to have?
Malpractice insurance is vital for every medical professional because it will help alleviate some of the stress and fees that come with malpractice accusations.
If a lawsuit is ever filed against you for negligence or improper practice while performing dental services, malpractice insurance will help cover court fees along with other provisions in accordance with your specific policy terms. The question shouldn’t be, “Do I need malpractice insurance?” but instead, “What kind of malpractice coverage do I need?”
How can malpractice insurance help me?
Malpractice insurance is similar to other types of insurance in the sense that you hope never to have to use it, but it will be there if something bad ever does happen.
Malpractice insurance will provide support for you in the event a lawsuit is filed against you, whether it bears any truth or not. This type of insurance will give you help by covering court fees and putting someone in your corner to fight for you. Without malpractice insurance, you might drown in court fees or lose your license altogether.
Malpractice insurance has these more tangible benefits, but it also gives you something else: peace of mind. You can put your anxieties, fears and stress to rest just by knowing that you have coverage if you need it.
If you need help getting the right coverage, contact the experts at Mikel’s Insurance Services. We have more than 35 years of experience as an independent insurance agency, and we’ll provide you with personalized support whenever you need it.