BSR Insurance offers a specialized Non-Standard National Dental Program tailored for solo practitioners or dental professionals working within a group practice insured by another carrier. This program is specifically designed to help place difficult-to-insure dental professionals who may not qualify for standard market coverage due to various underwriting challenges.
Overview of the Program From BSR Insurance
As an Excess & Surplus Lines Broker, BSR Insurance provides access to flexible and responsive coverage options for dental professionals who face obstacles in securing professional liability insurance through traditional carriers. This program is a strong solution for agents working with clients who have unique profiles or complicated histories.
Ideal Accounts and Appetite
This program is an excellent fit for:
- General Dentists
- Orthodontists
- Periodontists
- Endodontists
- Oral and Maxillofacial Surgeons
It is especially suitable for dental professionals who have experienced:
- License suspension, denial, revocation, or probation
- Prior ethics issues involving patient relations
- A history of drug or alcohol use
- Practicing without prior insurance coverage
- Prior claims or loss history
- Challenges related to class of practice or geographic venue
Example: You may have a client who is a general dentist returning to practice after a license suspension, or an oral surgeon with a strong clinical history but a lapse in previous coverage—this program can help you secure coverage for them.
Coverage Highlights and Advantages
- Limits available up to $1M/$3M (state cap limits apply in Virginia)
- Claims-made and reported policy form with “demand” trigger
- Incident trigger available for qualified risks
- Prior acts coverage available on select accounts
- Defense outside the limits and incident trigger on qualified risks
- Corporate/entity and employee coverage available with shared limits
- Extended reporting period (ERP) options: 12, 24, and 36 months
- Elite Provider form set available for qualified insureds
Underwriting Notes and Minimum Premiums
- Minimum policy premium: $3,000
- Minimum deductible: $2,500
- Not eligible for groups with more than 6 practitioners
All accounts are written on a non-admitted basis with varying carriers, allowing for greater flexibility in underwriting and coverage structure.
Territories and Availability
This program is available in most states across the U.S., but is not available in the following states: AK, HI, KS, NY, RI, and WV.
Agents in all other states can access this program to support their dental clients with non-standard risk profiles.
Why Work With BSR Insurance on This Business
BSR Insurance brings deep expertise in placing tough-to-insure medical professionals. As an E&S broker, BSR understands how to navigate complex underwriting scenarios and provides responsive service to help agents secure coverage quickly and efficiently. With access to a variety of markets and flexible coverage forms, BSR is your go-to partner for dental professionals who fall outside standard market appetites.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for solo dental practitioners or small dental groups (6 or fewer) with prior claims, licensing issues, ethics concerns, or lapses in coverage.
Are group dental practices eligible?
Yes, but only if the group has six or fewer practitioners. Larger groups are not eligible under this program.
What coverage limits are available?
Limits up to $1 million per claim and $3 million aggregate are available, with some state-specific limitations such as in Virginia.
Can prior acts coverage be included?
Yes, prior acts coverage is available for select accounts based on underwriting review and account history.
Which states are excluded from this program?
This program is not available in Alaska, Hawaii, Kansas, New York, Rhode Island, and West Virginia.
Need help placing an account? Connect with a market specialist.