Professional Liability
Dental Professional Liability Insurance
Malpractice coverage protecting dentists and dental practices from patient claims.
Dental professionals are exposed to patient claims of injury, treatment errors, and inadequate care on a daily basis. Dental Professional Liability (malpractice) insurance provides the financial protection to defend your practice and your license — so you can focus on patient care with confidence.
Coverage Details
What Does Dental Malpractice Cover?
Treatment Errors & Negligence
Claims alleging that a patient was harmed by an error in diagnosis, treatment plan, or execution of dental procedures.
Defense Costs
Full coverage of legal defense costs, expert witness fees, and court costs — even if the claim is ultimately found to be without merit.
Settlements & Judgments
Financial protection for amounts paid in settlement or court-ordered damages, up to your selected policy limits.
License Defense
Coverage for costs related to defending your dental license before a state dental board or regulatory body.
Patient Injury Claims
Coverage for claims of pain, suffering, or physical injury resulting from dental procedures performed at your practice.
Tail Coverage
Extended reporting period (tail) coverage available for dentists retiring, selling a practice, or switching carriers.
Eligibility
Who Needs Dental Malpractice Insurance?
- General dentists in solo or group practices
- Oral and maxillofacial surgeons
- Orthodontists and periodontists
- Pediatric dentists (pedodontists)
- Endodontists and prosthodontists
- Dental associates and employed dentists
- Dental specialists of all types
Why Choose CIIB
The CIIB Advantage
- Access to carriers specializing in healthcare and dental malpractice coverage
- Competitive quotes from multiple A to A++ rated carriers
- Both occurrence and claims-made policy options available
- Flexible limits to match your practice size and risk profile
- Annual policy reviews as your practice evolves
FAQ
Common Questions
What is the difference between occurrence and claims-made dental malpractice policies?
An 'occurrence' policy covers incidents that happen during the policy period, regardless of when the claim is filed — even years later. A 'claims-made' policy covers claims filed while the policy is active. Occurrence policies offer more permanent protection but may cost more. We can help you compare both options.
Do I need tail coverage when I retire or change carriers?
If you have a claims-made policy, yes — tail coverage (also called an extended reporting endorsement) is important when you stop practicing or change carriers. It covers claims that are filed after your policy ends for incidents that occurred during your coverage period.
How much dental malpractice coverage do I need?
Common limits are $1 million per occurrence / $3 million aggregate, though specialty dentists or high-volume practices may want higher limits. Many hospital credentialing agreements specify minimum limits. We'll help you find the right amount for your situation.
Ready to Get Covered?
Compare rates from multiple A-rated carriers and find the right policy for your needs.