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Malpractice Insurance

PPP introduces AAIC as new underwriting carrier 

MDA Insurance and the national Professional Protector Plan (PPP) program are excited to begin a new partnership with Aspen American Insurance Company (AAIC). Beginning on Oct. 28, 2017, PPP policies will be automatically rewritten from CNA to AAIC as they renew. Policyholders do not need to take any action.

We understand that dentists have recently received mailings from other professional liability carriers. Although we appreciate them sharing the good news about our carrier change, much of the information they are communicating about the PPP is grossly misleading.  

All of the good things about the PPP are not going to change. The MDA endorsement and our relationship with defense attorney Lynda Farnen, for example, will remain. Equally important, a number of substantial improvements will be implemented in order to better meet your needs, such as claim service and policy enhancements. We insist that PPP insureds have the best coverage and receive the best claim handling possible and AAIC will greatly improve both.  

The bottom line is that the PPP will still be the PPP—only stronger, better and more responsive. This could explain why our competitors want to tell you about it. We do too! If you’d like to discuss the facts about the PPP carrier change in more detail, please contact MDA Insurance at 800-860-2272.

Outstanding coverage, superior claim service

The MDA-endorsed professional liability insurance is available through the Professional Protector Plan,® one of the oldest and largest dental professional liability programs in the country. Available since 1969, the Professional Protector Plan sets the standard for outstanding coverage, superior claim service, dedicated legal counsel, comprehensive risk management training and useful, value-added features.  

Base coverage features include:Request A Quote ›

  • professional liability for you, your staff and your corporation;
  • occurrence and claims-made coverage forms available, allowing you to choose what best fits your needs;
  • general/office liability;
  • employment practices liability coverage - defense coverage included, indemnity provision available;
  • HIPAA defense coverage;
  • contractual liability;
  • state board/licensure coverage;
  • first aid/medical payments;
  • and much more!

Click Here to Pay Your Professional Protector Plan  Premium Online.

  • This link is for Professional Protector Plan premium payments only.
  • To pay online, simply enter your policy number, policy effective date and mailing ZIP Code
  • The next screen presents your current annual premium and allows you to enter your credit card information and pay the invoice. It's fast, easy and secure.

Risk Management Training

The Professional Protector Plan also offers incredible value-added features including an acclaimed dental risk management program (available in both classroom and online formats). Click here for a list of upcoming seminars. If you have any questions, our professional and knowledgeable staff is available to ensure that your needs are always satisfied.

Take a moment to get a quote — you won't be disappointed! 

 Downloadable / fillable forms:

 Contact Us!

Care for a quote?  Please call 800. 860.2272 and speak to Misty Haigh (ext. 449) or Tina Croley (ext. 448).  We are happy to answer your questions and share more details about the Professional Protector Plan program! 

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Claims-made vs. Occurrence coverage

The MDA-endorsed Professional Protector Plan® offers malpractice insurance in both claims-made and occurrence forms.  Before making a decision on which form better suits your needs, it’s important to understand a few basics about each.

Occurrence policy forms provide coverage for an injury or damage that takes place during the policy period, regardless of when the claim is made and reported.  Provided the incident takes place while the policy is active, claims may be submitted to the insurance carrier at any time in the future.  The limits of insurance in force at the time of the incident will apply.

Claims-made policy forms provide coverage for an injury or damage that takes place during the policy period, provided the claim is made and reported while the policy is active.  Coverage is not automatically available for claims submitted after the claims-made policy is cancelled or no longer in-force.  Because of this, claims-made policies offer a special endorsement when cancelled, commonly called tail coverage, which allows claims made after cancellation to be considered for coverage.  The limits of insurance at the time the claim is made and reported will apply.

The other major difference is pricing.  Occurrence policies are more expensive in the early years of coverage, but do not require purchasing tail coverage upon cancellation.  Claims-made policies are less expensive up front, but may require the purchase of tail coverage when the policy is cancelled (although many carriers offer provisions whereby tail coverage can be obtained at no cost).  

Call us for more details or assistance in determining which form of coverage would better fit your needs.  Our toll-free number is 800.860.2272.

Helpful Resources

Visit this section often to find risk management information and other resource materials.