Individual Professional Liability (Malpractice)

Professional Liability will protect and represent you if a malpractice claim is filed. When it comes to medical malpractice insurance, you have two coverage choices: Claims-Made or Occurrence. 
Claims-Made or Occurrence policies with limits from $1 Million/$3 Million to $5 Million/$7 Million are available. Coverage can be added to your policy for Botox/dermal fillers procedures as well. 

Occurrence Or Claims-Made Coverage? Jerri explains in this video and tells you why she suggests selecting the occurrence coverage.

Occurrence vs Claims-Made

Occurrence coverage protects an insured for losses that occur while the policy is in force, regardless of when a claim is filed, so long as the loss occurred during the policy term.

Medpro-MDAClaims-made coverage protects an insured for losses during the policy period for occurrences that happened after the retroactive date and before the end of the policy term. The policy (or extension contract) in force at the time a claim is made against the insured is the policy that protects the insured for the claim. Click for information on occurrence vs claims-made.

MDIS has coverage specifically for oral surgeons with the OMS Preferred program that offers very reasonable prices with many options for limits of coverage. It can cover just you, or it can also cover your corporation.


Discounts Available

Depending on the carrier, your discounts can vary slightly. Jerri explains in this video.

  • New Graduates
  • MDA Member New Grads, Free 1st Year MedPro Malpractice
  • Moonlighting During Residency
  • Part-time Employment
  • Leave of Absence
  • Claim Free
  • Risk Management

What to Look for in a Malpractice Company/Agent

  • Consent to Settle
  • Occurrence or Claims Made
  • Financial Stability
  • Defense
  • Risk Management
  • Specialized Service