AFPD administers an A.M. Best & Company’s “A+” rated carrier’s admitted dentists professional liability program available in all states except Hawaii, Louisiana, Kentucky, Mississippi, Utah and West Virginia.  This carrier has over $40 billion in invested assets.

Some important aspects of this program include:

POLICY & PROGRAM

• Liability limits up to $6 million

• Claims-Made and Reported policy

• Broad definition of “Professional Services”,  including activities on professional boards or committees

• Prior Acts Coverage

• Automatic “tail” in the event of death or permanent disability

• Return of premium for short-term disability and maternity leave

• New dentist credit available

• Additional supplemental coverage to your existing liability coverage

• First aid coverage

• Licensure Board Hearings defense

• Risk Management discount.

• Loss-free discount

• Part-time dentist discount

• Free ‘tail” coverage for retirees

• Free risk management course available.

CLAIMS HANDLING

• Policyholders receive detailed guidelines and instructions on what to do in the event of a claim.

• Expert claims advice available.

UNDERWRITING

• The standard turnaround time is 24 – 48 hours.

• Knowledgeable and responsive underwriters are available to answer questions.

PREMIUM PAYMENT OPTIONS

• Quarterly Premium installment plan available without charge.

Note: program and discounts may vary based on state regulations.  The information provided is for informative purposes only.  Please consult the insurance policy for actual terms, conditions, and exclusions of coverage.