It’s true that having a good insurance policy might put some of your patients at ease. A good dentists med mal policy really serves to protect you should something happen and a patient decides to sue. It helps to understand what this policy often covers as well as what it means to be prepared in order to understand how it protects you.
What it Usually Covers
Many policies for dentists med mal have some basic coverage, which often includes liability limits up to a certain amount, coverage for prior acts if a claim is made, and the policy usually helps to cover lawyer fees. New and part-time dentists can also sometimes get credit with a policy, and some policies offer tail coverage at retirement. You might even be able to take advantage of some risk management programs to help you limit your risk of getting sued.
There are not many dentists that actually expect to be sued over their practice. Still, sometimes something might occur in which a patient or employee decides to sue. This may be due to something like an injury that resulted from a procedure. You get insurance coverage so that if something like this happens, you are not left covering the costs out of your own pocket. Being prepared doesn’t mean that you expect the worst, but that you can weather the storm if the worst does happen.
If you do not yet have your own dentists med mal policyin place for your dental practice, today might be a good day to talk to a professional agent.