Ohio MichiganDental Professional Liability

At Benham Insurance we are a leading provider of Dental Professional Liability Insurance





A (Excellent) Rated Company


The insurance company created by dentists, owned by dentists, and insures only dentists



Insured controls “Consent to Settle”

Independent Legal Counsel


Occurrence or Claims Made
Prior Acts Coverage

Dental Professional Liability

Your reputation and your business depend on the right dental professional liability insurance coverage.

Professional liability insurance protects you, your assistants and dental hygienists, your staff and your business entity against claims resulting from dental services provided, or that should have been provided, to your patients.  It is designed to pay for your legal defense, even if the claim is fraudulent or groundless. In the unlikely event that you should have to pay out a settlement or damages, this policy stands between the claimant and your assets to protect the future of your business.

At Benham Insurance we have multiple dental professional insurance carriers giving us a wide variety of options that can be tailored to your needs.
Professional Liability Insurance features Include:

  • Choice of Claims-made or Occurrence policy forms Ohio and Michigan dental professional liability   
  • Free Prior Acts Coverage
  • First Aid Coverage
  • Free Tail Coverage Provision
  • Free Locum Tenens Coverage
  • Free coverage for Dental Assistants and Hygienists
  • Professional Entity Coverage
  • Defendant Reimbursement
  • Defense outside the liability limits
  • Licensure Board Hearings Defense
  • Liability Limits of up to $2 million
  • PLUS - A Reduced Rate for Leave of Absence
  • As a leading provider of dental professional liability insurance our insureds know that providing the highest level of customer service is the cornerstone of our reputation.



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    Dental Policy Highlights



    Financial Backing

    *      Rated “A” (Excellent) financial rating by A.M. Best

    *      An admitted insurance company

    *      Protecting the reputations of healthcare professionals since 1946



    *      Including $50,000 Cyber & Privacy Proceeding Coverage

    *      Occurrence or Claims-Made Coverage – Your Choice

    *      Variety of policy limits available up to $2,000,000/$4,000,000

    *      Coverage for licensed and non-licensed ancillary employees

    *      Claims Made Prior Acts or Conversion Coverage may be available

    *      FREE Claims Made Tail Coverage for death, disability or retirement after age 55 and 5 years of continuous coverage.  Retirement Tail does not have any future practice limitations

    Cyber Coverage

    *    NETWORK SECURITY & PRIVACY COVERAGE up to $1,000,000 available



    *      True Consent to Settle guarantees that no case is ever settled, prior to court judgement, without your approval

    *      Best Local Defense Attorneys – Attorneys are hired on a fee for service basis to protect you

    *      Unlimited defense costs are paid in addition to the limit of liability

    *      Government Proceedings Defense Costs pays up to $25,000

    o   State disciplinary proceedings

    o   Federal professional review organization sanctions

    o   HIPAA and Privacy Related

    *      First Aid Expense $5,000

    *      Medical waste legal defense reimbursement up to $50,000

    *      Claims Advice Hotline Doctors can call confidentially to discuss a troubling incident without

          a claim file being opened, if a claim isn’t filed


    *      Claims free experience recognized with premium credits

    *      Locums Tenens available up to 45 days per policy period

    *      Shared limits of liability for single practitioner corporations; Separate limits for single/multiple practitioner corporations


    This is not a policy, only a partial highlight of coverage.  For a complete statement of coverages and exclusions, please see the policy contract.


    Ohio and Michigan dental professional liability 





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