FAQ

The gold standard for a submission package is an application, a CV, and loss runs from your previous insurance companies/employers. We can use this same information to collect quotes from all available insurance companies for your review. We break down the pricing, pros/cons of each carrier, any potential gaps, and how a move between companies might impact you later down the road.

Most insurance companies won’t allow a dentist to move coverage midterm, so about 30-90 days out from your renewal date is the ideal time to move carriers. We can collect quotes within a few business days in a pinch, but the more lead time the better when searching for coverage.

Not necessarily. If your new insurance carrier offers prior acts coverage, they’ll keep your retroactive date intact. This means the new company will cover any past patient exposure from your old policy. It’s a cost-effective way to switch carriers for better terms or reduced premium. However, switching dental malpractice insurance companies can create potential coverage gaps, which is why we're here to guide you through the process and ensure everything is handled properly.

Of course. We have access to markets that write dental malpractice insurance coverage for those who have been surcharged, non-renewed, or have activity with the dental board. Our job is to conduct a full market search so you can make an informed decision about your next insurer. We find the options, explain the important coverage features, and provide a roadmap for you to get navigate back to your insurance company of choice.

Dental malpractice insurance policies often throw in freebies, like small sublimits for additional coverages. However, these sublimits can quickly be exhausted when claims arise. Because of this, we always encourage dentists to secure separate cyber and Employment Practices Liability Insurance (EPLI) policies at a minimum. These are important coverages we strongly believe should be standard for all dental practices.