Protecting Dentists Since 1976
Malpractice Coverage Built to Protect You Now and Reward You Later
Get started without an NPI number
To receive a premium estimate, please enter your NPI number and date of birth. We will use your Council for Affordable Quality Healthcare (CAQH)* credential data to automatically fill in the premium request form. By submitting the form, you consent to the use of the email address provided in your CAQH profile for marketing communications.
Re-Examine What You’re Paying For
As the nation's largest doctor-owned malpractice insurer, The Doctors Company is inextricably aligned with healthcare. Unlike commercial insurers that focus on shareholders, we prioritize you and your practice, providing strong defense, industry-leading member rewards, expert risk management tools, and the best imaginable service—so you can focus on delivering outstanding dental care.
$46,987: Highest Dentist Tribute Balance
The Tribute® Plan is a one-of-its-kind program that rewards dentists when they retire for their loyalty and dedication to superior patient care.
Financially Strong
With $7.8 billion in assets, we have the financial strength and stability to protect you throughout your career. We are rated A by AM Best and Fitch Ratings.
We Fight to Win
If a claim is made against you, we will never settle without your permission, where permitted by law.
93% Member Satisfaction
Providing superior service is more than a best practice for us, it’s at the core of who we are.
Practice With Confidence:
We’ve Got You Covered
Get the protection and peace of mind you need to focus on what matters most—your patients. Our malpractice coverage is built specifically for dental professionals, with flexible options that adapt to your practice.
- Coverage available for all dental specialties, with your choice of claims-made or occurrence policies.
- Your team is protected too. Dental assistant and hygienist coverage is offered for no additional cost, and your support staff and volunteers are automatically covered.
- Stay covered if you work a temporary role with built-in 30-day locum tenens protection.
- Choose between shared or separate entity limits, so your coverage aligns with your practice needs.
- Cyber liability and regulatory defense coverage are both included to protect your practice beyond the chair.
- Defense costs won’t reduce your limits of liability, and we reimburse trial expenses.
Financial Rewards You Won’t Find Anywhere Else
In addition to the Tribute Plan, an unrivaled financial rewards program, and our multi-year member dividend program, our dental members receive a range of cost-saving benefits designed to support growth, security, and ongoing success.
- Substantial premium discounts for new and part-time dentists: Dentists who are beginning their careers or who practice on a part-time basis get significant savings on their premiums, making professional liability coverage considerably more affordable as you grow your practice.
- Free tail coverage for eligible retiring dentists: Enjoy the peace of mind and convenience that comes with free extended reporting period (tail) coverage when you retire, ensuring your practice and reputation are protected without any additional cost.
- Extra claims-free credits for maintaining an excellent record: Dentists who demonstrate a strong commitment to patient safety and who remain claims free are eligible for additional claims-free credits.
The Doctors Company truly keeps my mind at ease. Their malpractice insurance is not only affordable, but their customer care makes me confident that if something should arise, they have me covered.—Bertram J. Hughes, DMD, Florida
By Doctors, For Doctors
As an organization founded and led by medical professionals, we understand the pressures you face and your unique needs. We appreciate that a dental career is lifelong, and we go the extra mile to make insurance protection easy for you.
FAQs
Our policies cover legal defense costs, settlements, and judgments related to malpractice claims—including allegations of negligence, misdiagnosis, or procedural errors.
Claims-made policies generally cover incidents and events that both happen and are reported to us while you have a policy with The Doctors Company. You may request a retroactive date to allow you to report to us claims that arise out of incidents that took place previously while you were insured elsewhere. You can also purchase extended reporting, or tail, coverage, which provides coverage for claims brought regarding incidents that occurred while the policy was in effect—but reported later.
Occurrence policies cover incidents that happen while you were covered by a policy issued by The Doctors Company but can be reported anytime (even if you no longer have a policy with us).
Coverage can often be secured within minutes using our streamlined online application. If your application requires further review by our underwriting team, most applicants can expect coverage to be issued within a few business days.
Yes. Your professional liability policy includes MediGuard®, which extends coverage to legal representation for administrative actions by dental licensing boards, credentialing reviews and actions, Medicare/Medicaid, professional review organizations, federal agencies related to EMTALA, and the DEA.
Yes. Coverage for the elective use of injectable neurotoxins and dermal fillers is available by selecting the cosmetic endorsement as part of your policy. This endorsement extends your coverage to include elective cosmetic procedures, provided they are performed within the permitted guidelines and scope of your license.
Documentation errors, informed consent issues, and patient communication breakdowns are some of the most overlooked risks. Even small lapses in recordkeeping or follow-up can trigger a claim or board complaint.
To support your commitment to best practices, our coverage includes complimentary dental continuing education courses and risk management resources designed to help prevent errors and enhance patient safety. These proactive tools reduce the risk of adverse events, professional disputes, and liability claims. In addition, coverage extends to board complaints, giving you peace of mind that you’re supported not only against claims but also throughout regulatory proceedings.
Yes. You can purchase $1M/$3M coverage for dental services performed in a state’s dental board exam for a $15 premium.
Yes. The Doctors Company offers a new-to-practice discount for the first three years of practice. This is designed to support you as you build experience and patient volume. Percentage discounts vary by state.
When you retire or leave clinical practice, you will need tail coverage (also called an extended reporting endorsement) to protect yourself against claims filed after you stop working if you have a claims-made policy. At The Doctors Company, we offer free tail coverage upon retirement—so you can enjoy peace of mind, knowing there’s one less detail to worry about as you plan for your future.
Yes. We offer group policies tailored for practices with multiple professionals. To explore options and get a custom quote for your team, please call us at (888) 619-7694.
Not sure about some insurance terms? Visit our glossary for easy explanations.
*The CAQH Provider Data Portal is the largest database of self-reported provider data in the U.S., with 100,000 dental professionals in the credentials database.
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