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You are here >  Excess & Surplus > Physicians 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
  • Claims-made professional liability for displaced, underserved or otherwise difficult to place physicians and surgeons
  • Program is written on a non-admitted (surplus lines) basis and targets Individual Healthcare Providers that hold either a temporary or permanent license in the state(s) where they practice clinical medicine
Available Limits
  • Limits of liability vary from $250,000 / $750,000 to $1,000,000 / $3,000,000
  • Limits may be restricted in certain states and/or on a risk-by-risk basis based on underwriting criteria
  • All risks must be located in the United States
  • The physician must hold a current temporary or permanent medical license in the state(s) in which they are practicing
  • Physicians who practice in multiple states require additional underwriting analysis
  • The state in which the physician is practicing must allow Professional Liability coverage to be written on a surplus lines basis
Coverage Features
  • Defense costs are in addition to the policy limit
  • Coverage is provided on a claims-made basis, with an incident reporting trigger
  • Prior acts coverage is available on an individual basis
  • Corporate Entity and Allied Health coverage is available on a shared limit basis
  • Minimum $5,000 deductible applies to indemnity and defense costs
  • No consent to settle provision
  • Limited Extended Reporting Period option: 36 months, no reinstatement of limits, and additional premium based upon rates in use at the time the ERP option is exercised there is no death, disability or retirement provision
  • Vicarious liability coverage may be provided to the named policyholder's corporation, partnership or professional association on a shared limits basis at no additional charge
  • Employed ancillary and miscellaneous medical personnel may be covered for their work performed on behalf of the named policyholder
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