Whether you are working as an employee or as a contracted dental professional, it is very important to understand the proper insurance needs that will work best for you. For pennies a day you can purchase professional liability insurance, giving you peace of mind that your career is protected by industry-leading liability insurance coverage for Dental Hygienists and Dental Assistants.
Below are common questions and answers to help you make the right choice.
Q: What is Professional Liability Insurance?
A: Professional Liability Insurance provides protection against covered claims arising from real or alleged errors or omissions, including negligence, in the course of your professional duties. For Healthcare workers, this is commonly referred to as, “Medical Malpractice Insurance” or simply, “Med Mal.” It can also be known as an “Errors and Omissions” policy.
Q: Does having personal liability insurance make me more of a target for lawsuit?
A: ABSOLUTELY NOT. In the event of a lawsuit, the injured patient’s lawyer will typically name everyone that was involved in the patients care. Lawyers have no way of knowing who does or does not have malpractice insurance, as there are no public registries of private insurance contracts. Our liability policy will provide coverage immediately upon notice. That is the protection you need.
Q: What are “Per Occurrence” & “Aggregate” liability limits?
A: Your “Per Occurrence,” or “Per Claim,” limit refers to the total amount the insurance company will pay per incident during the policy term. Your “Aggregate” limit is the total amount the insurance company will pay for multiple claims over the course of one policy term (which is often one year).
The best protection is always your own policy in your own name, whether you are employed or self-employed. Want to learn more? Get a quick online quote and apply online. Be fully protected with malpractice insurance.
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