Insurance Tips for Dental Specialists

We’ve assembled insurance tips for dental specialists.

The insurance needs of dental specialists are similar to those of other dentists. However, there are some special insurance needs dental specialists should consider. These details can be particularly important for if you perform oral surgeries.

Insurance Policies Dental Specialists Should Know About

Professional liability is mandatory. But malpractice lawsuits can look different for dental specialists. Our brokers walk you through policies and rider options that cover your specialty. For instance, those who perform surgeries on a regular basis, or work with vulnerable populations need to consider elevated risks.

Disability insurance for dental specialists cover some of the more physical aspects of your work. More recent disability policies for dental specialists have new criteria, clauses, and terms. We can help you find a disability policy to best fit your needs and protect your income if you become disabled.

Employee practices liability (EPL) coverage should be discussed with your WDIA insurance broker. Your risk exposure and coverage levels are calculated in accordance with your profession and earnings.

In-Depth Understanding of Insurance Needs for Dental Specialists

We understand a pediatric dentist and an oral maxillofacial surgeon have different risk exposure. We’ll help find insurance policies that include coverage for nuanced risks.

At WDIA, our non-commissioned insurance brokers offer a wealth of experience in finding the right insurance for dentists. This includes finding the right insurance coverage and policy selection for dental specialists.

What unique liability considerations do dental specialists face?

Specialists performing surgical procedures often require elevated liability limits and specialty riders to cover more complex care risks.

WDIA agents guide you through carrier-specific options, ensuring coverage accounts for oral surgeries, sedation, or vulnerable patient populations.

Should dental specialists choose different disability policy terms?

Yes. Specialist disability policies may include clauses tailored to surgical downtime or specialty-specific workload.

WDIA helps you compare newer policies with updated definitions, residual clauses, and indemnity periods that best protect your income if you’re unable to operate.

Do specialists need Employment Practices Liability (EPLI) coverage?

Yes, if you are a practice owner, EPLI protects against claims like discrimination or harassment from employees.

Given the higher stakes in specialty clinics, discussing EPL limits and endorsements with your WDIA broker ensures you have access to legal defense and settlement funds if needed.