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You are here >  Excess & Surplus > Dentists Thursday, December 13, 2018

Excess and Surplus

The oldest and largest professional liability and practice protection program, designed specifically for dentists.



Contact Information

Dental Risk Management Services

Phone: + 1 405-527-3966
Fax: + 1 405-527-4326         


Professional Liability Program

Program Description

The Professional Protector Plan Excess & Surplus Lines Program is specifically designed for dental professionals that are unable to obtain professional liability insurance through a standard lines carrier.

Who Qualifies for this Type of Insurance?
  • Dentists with board orders who are in compliance
  • Dentists with past substance abuse who are currently in or have completed a treatment program
  • Dentists with claims severity or frequency
  • Dentists with suspensions on license(s) - however, must be current to insure
  • Dentists who have been cancelled, non-renewed or who have practiced without insurance (details must be provided at application for coverage)
What Limits are Available?
  • Minimum limits $100,000 per-claim / $300,000 aggregate
  • Maximum limits $1,000,000 per-claim / $3,000,000 aggregate
  • Minimum per-claim deductible is not required
What are the Program Coverage Features?
  • Policies are written on a claims-made coverage form
  • Worldwide coverage
  • Coverage written for all specialties, including oral surgeons
  • Prior acts coverage may be available
  • 12 month extended reporting period ERP option, 24 and 36 month options available
  • Corporate entity coverage for the named insured on a shared limit basis
  • No "cap" on the number of dentists within a group
  • No minimum premium or per-claim deductible
  • $5,000 First Aid supplemental payments
  • Multiple state practice locations are acceptable
  • All risks must be located in the United States
  • The dentist must hold a current temporary or permanent dental license in the state(s) in which they are practicing
  • Dentists who practice in multiple states require additional underwriting analysis
  • The state in which the dentist is practicing must allow Dental Professional Liability coverage to be written on a surplus lines basis
  • Submissions must be submitted by a licensed surplus lines agent or broker
  • If the dentist is a member of a group practice, partnership, or professional corporation or association, or has any ownership interest in the practice, the entire group must be insured with CNA under the same policy with the same limits of liability and expiration date. This requirement may be waived for independent contractors and employed dentists.
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