As a participating member, you have the full satisfaction and security of knowing you are protected should you be named in a lawsuit.
*(Students, life original and life retired categories do not apply; students are covered if they so request and pay an additional fee.)
Professional liability coverage offers protection against claims that the policyholder may be legally obligated to pay as a result of an error or omission in his or her professional work. Also known as E&O insurance, liability insurance is significant to your profession. Liability insurance helps deal with claims of professional liability in your services. ADAA offers a professional liability insurance policy for you that is both affordable and effective!
Am I covered under my boss' policy?
My dentist says I am covered under his umbrella policy.
Anyone can be sued personally even if they are covered under another policy, such as your employers. ADAA’s Professional liability policy protects you against loss from a claim of charged negligent acts, errors or omissions in the performance of your specialized services.
Coverage is given for claims of bodily injury or property damage liability at your work site or at your customer's location. You will be covered for work that you conduct which is legal under the dental practice act in your state.
Regardless of who is negligent, it can take years for litigation to be dismissed. While you may be exonerated from liability, your attorney's fees can be staggering. Professional liability insurance helps relieve you from the financial burden of defending yourself in a malpractice lawsuit.
If you're providing a professional service or rendering a professional opinion, this coverage is strongly suggested. In fact, many occupations require you to have professional liability insurance before allowing you to practice.
Additionally, it's important to note that having professional liability insurance does not make you more likely to be sued. It simply makes you more prepared if a lawsuit is brought against you. Whether you're employed or self-employed, work full-time or part-time, or are a student practicing in a managed setting, having a professional liability plan will give you peace of mind and the security you need.
The general liability policy provides coverage in the United States and its territories. Worldwide coverage is provided on the Professional Liability policy if your work is produced and the suit is brought in the United States.
The only way to ensure that you're covered for your professional acts is to have professional liability insurance. When you are covered as an ADAA member, you can download your certificate of insurance issued in your name at www.adaa1.com. This liability insurance policy will provide you with limits of liability expressed in the certificate.
With the exception of students, life original and life retired categories, most membership categories include professional liability insurance, and as stated earlier, students can request insurance for a fee in addition to their student dues.
Limits of Liability: $50,000 per incident per member
Deductible There is NO deductible in this policy.
The provider is Columbia Casualty Company. Any inquiries should be directed to Tiaese Dolberry at 888-288-3534 at HPSO. HPSO is the ADAA’s agent for the professional liability insurance policy.