MedPro Group Dental Liability in California, Arizona, Florida, Hawaii, Idaho, Nevada,
New Mexico, Oregon, Texas and Washington
Warren Buffett's Insurance Company...
"Insurance is a long term proposition; it is important that you give your
premium dollar to an insurer that will be there when you need it..."
Premium Discount for California "Punjabi Dental Society" members and SCOA
Click Here to receive a Premium Indication
Financial Strength
Malpractice insurer Medical Protective is a Warren Buffett - Berkshire Hathaway Company with unmatched respected A.M. Best rating "A++" (Superior) and more than $1.5 Billion in annual premium "The Highest Rated Malpractice Insurance Company"
Authorized Admitted Programs
50 states including: Arizona, California, Nevada, Oregon and Washington providing the strongest dental malpractice protection available in the country
Two Policy Types - "Occurrence" policies and "Claims-Made" policies with available "Prior Acts" protection available through MedPro
Limits of Liability - up to $5,000,000 per claim and $7,000,000 annual aggregate available
Insuring - General Dentist, Oral Maxillofacial Surgeons, Orthodontist, Endodontist, Periodontist, Pediatric Dentist, Prosthodontist, Oral Pathologist, Dental Anesthesiologist, New Dental Graduates (special rates) and Large Dental Groups
Largest Dental Malpractice Insurer Nationally 108 Years Strong for more than 40,000 dental professionals nationwide
Pure Consent*
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Absolute right to refuse case settlement
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"NO Hammer Clause or Arbitration Process"
*The only California non-association insurance company providing these exclusive policy contract terms
Proven Claims Experience
MedPro has focused exclusively on malpractice for more than 119 years and national expertise with focused in-house claims defense specialist team bringing over 24 years of experience to each case
Protecting Dentist - MedPro's leveraged financial strength invested in finest stable of legal defense in the nation, supported by more than 7,500 expert witnesses with *95%+ WIN rate and over 82% of cases closed without a loss payment!
"Industry Leader - Aggressive Defense"
It is important to note that The Medical Protective Company has often spent far more on defense than would have been required in an out-of-court settlement
Clinical Risk Management Experts
MedPro's full team of industry leaders who are available to address any issue, whether it be a basic question or walk you through a situation real time while a patient is in the chair...
Education - MedPro offers a variety of Risk Management courses that provide CDE's available via Home Study, Internet & Hotel Seminar programs for doctors and staff that includes an opportunity to receive premium credits. MedPro is the largest Malpractice Insurer Nationally 119 years strong for more than 40,000 dental professionals nationwide. Solutions - Risk Management, patient safety and litigation support
Botox - Medical Protective in California offers coverage by endorsement for dentist who administer Botulinum Toxin and Dermal Fillers
Endorsements - MedPro is honored to have Nine State and Six National Dental Society Endorsements including Punjabi Dental Society (PDS) and Southern California Orofacial Academy (SCOA)
Free Unlimited Reporting
This endorsement (tail coverage) available upon permanent retirement for Dentists insured by MedPro for a minimum of 1 year. Free unlimited tail coverage in the event of death or permanent and total disability. Otherwise, unlimited tail coverage available at a fixed cost.
Stability - MedPro unlike other dental malpractice companies that have left the market or brokers who frequently switch carriers, Medical Protective has never left a dental market. Pricing is stable and competitive due to the success in defending our insured.
Your Career... You've invested a lot in your dental career and reputation so, why not take the time to insure you have the strongest protection with a company who has the strength and experience needed in the event of a claim.
"A claim is someone seeking to take your money and blemish your reputation"
Dental Malpractice Insurance Information
All dentists are vulnerable to malpractice lawsuits. Having dental professional liability insurance can provide essential coverage in these circumstances. The agents at Mikel’s Insurance Services can help you secure the insurance you need. Contact us for additional information.
What Is Dental Professional Liability Insurance?
Dental professional liability insurance, or dental malpractice insurance, can provide coverage for claims of professional negligence, errors or omissions by paying the associated lawsuit’s expenses (e.g., defense costs, settlements and judgments). This can help reduce your out-of-pocket burden and provide peace of mind knowing you are covered.
Even with proper training and due diligence, dental professionals may be sued. While providing professional services, several scenarios could lead to a malpractice lawsuit, such as:
· Missed, delayed or incorrect diagnoses.
· Improper tooth extraction.
· Injuries or infections from oral surgery or dental procedures.
Additionally, coverage may be available for the actions of several individuals in a practice, including:
· Dentists
· Oral surgeons
· Hygienists
· Dental assistants
Your policy should be tailored to your unique needs. Speak with your agent to discuss options, coverages, limits and exclusions.
Do Dentists Need Malpractice Insurance?
States have different laws regarding dental malpractice insurance requirements, and it may be necessary for licensure. However, even if it is not mandated, policies can provide essential coverage for you, your practice and your patients.
When Is Dental Professional Liability Coverage Effective?
Dental professional liability insurance may be written as either a claims-made or occurrence policy.
· Claims-made policy—This type may provide coverage if a claim is made during the policy period, and the incident that gave rise to the claim occurred after a specified date, known as a retroactive date.
· Occurrence policy—This type may provide coverage if the incident that gave rise to the claim occurred during the policy period. Coverage may still apply even if the resulting claim is filed after the policy is canceled or terminated.
Your agent can provide additional details about which type of policy best fits your practice. Reach out today for more information.
How Much Is Dental Professional Liability Insurance?
The cost of dental malpractice insurance varies. The amount of coverage selected, the size and location of your practice and your years of experience may impact premiums.
The team at Mikel’s Insurance Services can help you find the right policy at the best value. Contact us today for more information or a quote.
Medical Protective is well suited to provide the security you deserve today and long into your future...
For more information contact: Richard Walton
Agent - Program Administrator
Phone: (855) 758-9649 ext. 128
eMail: rwalton@mikels-ins.com
An award winning, international organization, serving the California Dental Community since 1999 with over 5,000 members strong.
*Based on Medical Protective Internal Data.
‡Product availability varies based upon business and regulatory approval and may be offered on an admitted or non-admitted basis.