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PROFESSIONAL LIABILITY INSURANCE – HAVE IT? IF NOT, GET IT! Many hygienists are at risk of being sued for malpractice. You think you are protected under the dentist’s policy, but that isn’t necessarily true. You may be sued as an individual or the sum of the suit may be greater than the dentist’s coverage and you may be sued for the balance. “My Dentist Says I’m Covered Under His Policy.” Have you seen the policy? Have you spoken with a representative from the company? Does the policy state that you, as an individual, are protected? Most policies protect the dentist against a suit resulting from actions by the hygienist, but do not protect the hygienist as an individual. Insurance Options Insurance companies offer many options. All policies are limited in the maximum amount they will pay per occurrence, and there is a maximum amount paid during the policy period. Some policies offer personal injury protection, such as slander or a HIPPA violation. Some policies cover loss of wages and travel expenses during a trial. Also covered in some policies are legal representation expenses. Individual Requirements In the future, certain dental hygiene services may become legal in Indiana, such as the administration of local anesthesia and nitrous oxide. At that time, individual insurance may be a requirement. If you volunteer at a dental clinic or at a health fair, are you insured? Who is insuring you? You may be required to provide proof of your own malpractice insurance. |
PROFESSIONAL LIABILITY (MALPRACTICE) INSURANCE MAY BE PURCHASED FOR ABOUT A QUARTER PER DAY, WHICH IS A SMALL PRICE TO PAY TO PROTECT YOUR HOME, YOUR ASSETS, AND YOUR FUTURE AS A LICENSED DENTAL HEALTH PROFESSIONAL Click now to get details about our ADHA sponsored insurance benefits. |
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