Arkansas State Dental Association Endorsed Programs
The Professional Protector Plan® for Dentists provides professional liability, general liability and property insurance coverage all in one complete package. Underwritten by CNA insurance and rated "A" for financial excellence by AM Best, the Professional Protector Plan is the largest provider of dentist's professional liability, insuring over 30,000 dentists nationwide.
Professional Liability
The Professional Protector Plan professional liability coverage is written on either a claims-made or an occurrence basis. Limits on a claims-made form are available from $1,000,000 per claim/$3,000,000 annual aggregate to $5,000,000 per claim/$8,000,000 annual aggregate. Limits on an occurrence form are available from $1,000,000 per claim / $1,000,000 annual aggregate to $2,000,000 per claim / $4,000,000 annual aggregate.
Standard Features:
- Consent to Settle Clause - We will not settle a claim without the insured's consent. The policy contains an arbitration clause in the event of a dispute or disagreement. The intent is to protect the interests of all insured dentists from unreasonable requests that may be detrimental to the program.
- Vicarious Liability - A must for any dentist in that they can be held liable for actions of employees, independent contractors, employed dentists and even specialists to whom they refer patients. Vicarious coverage is specifically included in the PPP policy language for all these exposures.
- Employees and Independent Dental Hygienists - Employees (except dentists) are automatically covered on a shared-limits basis. This includes dental hygienists when they work for the insured as an independent contractor.
- Defense Costs - Defense costs are provided in addition to the limits of liability. Therefore, defense or claims settlement expenses do not reduce any indemnity payment.
- Separate Limits - Limits of liability apply separately to each practitioner who is individually named in the policy.
- Professional Corporation/Partnership - Coverage is provided on a shared-limits basis for the business entity. An option for separate limits is available for a nominal premium charge.
- Board/Committee Member - Protection for the professional services performed or not performed as a member of a formal accreditation, standards review, association or other professional board or committee relating to a professional society or hospital.
- Contractual Liability Coverage - Protects you when you assume liability, as you often must, in hold harmless agreements when you do business with HMO's, PPO's, IPAs or similar organizations.
- Owned Laboratory - Coverage is provided for liability assumed as a proprietor, administrative or executive officer for your professional liability arising out of laboratory facilities that the insured maintains for testing their own patients or testing necessary to the practice of their specialty.
- Disciplinary and Licensure Coverage - This coverage pays the fees, costs and expenses to defend you against state regulatory action prompted by an otherwise covered injury or damage. Defense costs are covered up to your professional liability limits.
- Defendant's Reimbursement - Helps defray your expenses and lost time when you attend a trial involving a lawsuit against you.
- Locum Tenens Coverage - Provides professional liability protection, within your limits, when a dentist substitutes for you. A brief application is required.
- HIV Protection - With the exposure to blood born pathogens, a dental professional faces risks, which were never contemplated in years past. The PPP has responded by extending income protection in case of HIV contraction. This one time (optional) lump sum payment assists the dentist or employee in transitioning to other areas of dentistry if so desired.
- First Aid Coverage - This coverage pays for medical expenses when someone is accidentally hurt during treatment, regardless of fault.
- Extended Reporting Period Coverage - The PPP policy affords free ERP or "tail" coverage, if you have been continuously insured by us for the preceding 5 years and you are at least age 55.
- Professional Liability Premium Credits Available:
- Part-time credit
- New Dentist Discount (for the first four years in practice!)
- Risk Management Credit
- Disability/Leave of Absence Credit
- "Package" Discount - discount for professional liability, general liability and property when all are written under one policy with the PPP
General Liability
The benefit of having your professional liability and general liability insured by the same company is the elimination of potentially dangerous coverage gaps and unnecessary (and expensive) coverage overlaps. Rather than having two companies fight over whether a claim was professional liability or general liability, wasting valuable time and money in the claim process, the PPP has the same carrier for both exposures and can get right down to the business of handling the claim.
Standard Features:
- Water and Fire Legal Liability Coverage
- Personal Injury Coverage
- Advertising Injury Coverage
- Non-Owned or Hired Automobile Liability
- Medical Payments Coverage
- Medical Waste Defense Coverage
- And Many More…
Property
The Professional Protector Plan property coverage was specifically designed to insure today's dental office. Coverage is written on a blanket limit basis to protect your dental practice property, and provides comprehensive business interruption coverage as well as complete coverage for your dental practice building.
Standard Features:
- Fine Arts
- Property of others
- Lawn, trees, shrubs
- Fire Department service charge
- Debris Removal
- Pollution clean up on your premises
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- Fire Extinguisher Recharge
- Arson reward
- Signs
- Practice Income Protection
- Employee Dishonesty
- Dentist's Electronic Equipment
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- Workers Compensation - To complete a total dental package program to our dentist client, we offer competitively priced workers compensation insurance through a number of insurance carriers including PMA and The Hartford.
Term Life Insurance
- Underwritten by United States Life
- Members are those under age 60 who are actively performing the substantial and material duties of their regular profession on a full time basis are eligible applicants
- member's spouses may also apply
- $50,000 to $1,000,000 life benefits available in $25,000 increments
- Standard coverage available with 5 year age band
- 10 year and 20 year level term coverage available
- Optional benefits include:
- Dependent Life Benefit
- Accidental Death and Dismemberment
Download brochures:
Standard Term Life
10 year Term Life
20 year Term Life
Download Applications:
Standard Term Life
10 and 20 year Term Life
Disability Income
- underwritten by United States Life
- Members under age 60 who are actively performing the duties of their profession for full pay are eligible applicants
- Benefits for members are available up to:
- $10,000 per month for those under age 50
- $6,000 per month for those aged 50 to54
- $3,000 per month for those aged 55 to 59
- Employees of members may be eligible for up to $2,000 per month
- Optional benefits include:
- Residual Disability
- Cost of Living Adjustment Benefit
- Hospital Indemnity Benefits
- Recovery Benefit
- Loss of Use of Hand Benefit
- Guaranteed Purchase Option Provision
- Full benefits paid for 5 years if totally disabled in your occupation. After 5 years benefits will continue if unable to perform the substantial and material duties of any occupation for which you are reasonably suited by education, training or experience
Download Disability Income Brochure
Download Disability Income Application
Long Term Care
- underwritten by UNUM
- Three coverage choices:
- long term care facility
- long term care facility with professional home and community care
- total choice home care
- benefit periods available from 2 years to lifetime
- optional inflation protection
- benefits from $30 to $300 per day
Business Overhead Expense Plan
- underwritten by United States Life
- benefits up to $15,000 per month
- Eligible age: 55 or under
- total disability benefits payable for 24 months
- Optional benefits include:
- Recovery Benefit
- Guaranteed Purchase Option
Accidental Death & Dismemberment
- underwritten by United States Life
- benefits available from $100,000 to $500,000 in $50,000 increments
- members and members spouses under age 80 are eligible to apply
Download Business Overhead Expense Brochure
Download Business Overhead Expense Application
Daily Hospital Indemnity Plan
- underwritten by Unimerica Insurance Company
- ASDA members and spouses under age 60 are eligible for coverage as well as dependent children between the ages of 14 days to 19 years (23 if a full time student).
- This insurance is guaranteed issue for active members of the ASDA
- benefit available from $50 to $200 per day of hospital confinement
- payable up to 500 days
For more information contact:
Dwight Callaham - dwight.callaham@regionsinsurance.com
Debbie Roberts - debbie.roberts@regionsinsurance.com
By telephone at 501-664-8791 or toll free 888-272-6656.
