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.
According to the article Is Malpractice Liability Insurance Necessary for Dental Hygienists, in Today;s RDH, the top 5 Malpractice Claims Against Dental Hygienists are:
- Failure to update medical history
- Failure to thoroughly document in a patient record
- Injury to a patient
- Failure to diagnose periodontal disease
- Failure to diagnose oral pathology
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).
To receive a quote for coverage or to purchase online, click here.
At Professional Services Plans, we are pleased to provide you with a full range of professional products to cover your insurance needs, no matter what the situation. For more information on Dental Hygienist and Dental Assistant Coverage, visit our website.