Dental Professional Liability Insurance

Overview of the Program from Affinity Healthcare

This Dentist's Advantage program is administered by Affinity Healthcare and underwritten by National Union Fire Insurance Company of Pittsburgh, PA. The program is built for agents who need a dental-specific professional liability market with comprehensive forms, risk-management resources, and flexible limit options.

Ideal Accounts and Appetite

This program targets general dentists, multi-dentist practices, and specialists across dental disciplines — including those who perform restorative, endodontic, oral surgery, and other procedures. It is appropriate for solo practitioners up to small and mid-sized group practices. The program accepts accounts that want robust defense-in-addition language, licensure hearing representation, and locum coverage.

Accounts that may not fit include extremely high-risk specialty practices with unusual procedural exposures or locations requiring specialized coverage outside the standard appetite — consult underwriting for borderline or complex risks.

Coverage Highlights and Advantages

Key advantages for your dental clients include both occurrence and claims-made options, high per-occurrence and aggregate limits, defense costs outside the limits, and a consent-to-settle clause. The program’s broad definition of insureds and included locum and retirement tail features simplify placement for practices with staffing changes and retiring partners.

Underwriting Notes and Minimum Premiums

Underwriting focuses on practice size, procedural mix, claims history, and risk-management practices. Affinity Healthcare supports placement with a dedicated underwriting team knowledgeable about dental exposures. Minimum premium: $1,500. For accounts with prior claims, significant surgical exposure, or novel procedures, provide full loss runs and procedure mix up front to expedite review.

Territories and Availability

Available through Affinity Healthcare nationwide in the states listed: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted-status: All Available States. Confirm state availability and admitted/non-admitted placement with underwriting when quoting.

Why Work With Affinity Healthcare for Dental PL

• Program administrator experienced in dental professional liability markets
• National carrier capacity through National Union Fire Insurance Company of Pittsburgh, PA
• Industry-specific risk-management services and 24/7 hotline
• Flexible forms and limits to meet diverse practice needs

Example Accounts a Good Fit

• A solo general dentist performing routine restorative and endodontic procedures seeking occurrence coverage and free tail at retirement.
• A two- to five-provider family practice with hygienists (employees and independent contractors) that needs locum coverage and licensure hearing defense included.