We think so! PracticeProtection provides comprehensive dental and medical professional liability insurance coverage – with superior customer service and competitive premiums.

Yes. We work with select independent medical malpractice insurance agents/brokers.

No. This is not a bait-and-switch scheme. Our insurance rates are actuarially sound and are closely monitored by our experienced insurance professionals as well as periodic reviews by our independent actuary and our reinsurance partners. Your competitive rate from PracticeProtection is a result of our direct distribution model and our fair assessment of your risk. Our company’s profitability is a result of strict underwriting – only choosing the best risks combined with aggressive and prudent claims management.

Yes. PracticeProtection commonly provides “prior acts coverage”. With prior acts coverage we cover all incidents that occur after your retroactive date and that are reported to us while your policy is in force.

Yes. PracticeProtection Insurance offers an “Extended Reporting Period Endorsement”, which is commonly referred to as “tail” coverage. If this coverage is in place, then all claims that occurred after your retroactive date are covered, regardless of when the claim is reported to us.

Yes. There is no charge for an Extended Reporting Period Endorsement should any of the following events occur while the insured is actively insured with us

• Death of the insured
• Insured is unable to continue to practice due to total and permanent disability
• Insured retires from practice at any age and has been continuously insured for a period of time.

The most common reason requiring you to purchase tail coverage is when you join or leave a group. Many group contracts demand that when you join the group, you do so without any prior-acts exposure; which means you must buy a tail policy from the existing carrier if you want your prior coverage to remain in place. Conversely, if you leave a group you are often required to purchase a tail policy from the group’s insurer to satisfy the group’s concern about completing your coverage during the time you were practicing with them.

Switch now! It is called a “mid-term switch” and our customers do it all the time! In fact, you will probably see significant savings immediately rather than waiting.

PracticeProtection is a privately-held insurance group which consists of a large number of dentists and physicians. PracticeProtection is managed with a long-term perspective with a focus on:

• Providing the highest quality customer service in the industry.
• Aggressive defense of non-meritorious lawsuits.
• A steadfast commitment to the financial strength of our company.
• Stringent underwriting and vigorous selection of only the finest dental and medical professionals.

Many factors influence the cost of medical malpractice insurance, including:

• Practice Location
• Medical Specialty
• Procedures Performed
• Years in Practice
• Claims History
• Regulatory or Disciplinary Actions
• Applicable Discounts

Yes! Your PracticeProtection policy provides coverage for defense costs for many types of dental board claims related to patient bodily injury. Coverage for the defense of dental board claims will assist you in defending your license, and therefore, your livelihood.

All legal costs and claims expenses are fully paid by PracticeProtection and are in addition to (outside of) the policy limit.

Yes, aggressively! At PracticeProtection, we fully investigate and develop a litigation strategy for each new claim against one of our insureds within 90 – 120 days. With the full involvement of our insured, our highly experienced claims team will assemble a winning plan utilizing the best defense attorneys and clinical experts. If there is a clear problem with the clinical management of a claim, then early resolution will be the goal; but if the allegations of negligence are defensible, then we will provide an aggressive defense of the frivolous claim.

Yes. If temporary coverage is needed for a dental professional providing substitute coverage for an insured, locum tenens coverage may be added to the insured’s policy by endorsement. Coverage for this rule is available for up to 90 days per policy year.

No! While some companies may entice you with an unrealistically low rate and later “assess” you for more money, we do not and will not. The premium we charge for this year’s policy is the only premium that will ever be charged for that policy. Policyholders do not have any personal liability for losses incurred by our past claims.

PracticeProtection Insurance Company (a Risk Retention Group) is licensed and regulated by the Alabama Department of Insurance (“ADOI”). To verify our licensure in Alabama, please go to the ADOI website page here: ALDOI – Resources for Companies and select the “Company Search” link. In addition, PracticeProtection is registered as a Risk Retention Group with the insurance department of each state in which we operate.PracticeProtection files quarterly and annual statements and other information to the National Association of Insurance Commissioners (NAIC). To view our filed financial statements and other company information, please go to the NAIC website company consumer search page here: Consumer Insurance Search Results – CIS (naic.org)

Claims-made policy coverage responds when claims are made against a current insured of the company. Occurrence policy coverage responds for claims that occur during a certain policy period, regardless of when the claim was made.

Yes. Claims Free Discounts are provided based on the number of years you have not been involved in a claim or lawsuit. This discount may be combined with other discounts.

You can report a claim 24 hours a day. Call 888-217-2779 or email tbone@practiceprotection.com

Practice Protection employs a team of claims professionals and has an outstanding panel of qualified defense lawyers.