eprofessional insurance's Dental Professional Liability program
is designed for the Dentist who wants and deserves the very best.
Professional Liability – Our professional liability policy covers you for damages arising from:
Treatment you provide or should have provided your patients.
Treatment your employees or anyone for whom you are legally responsible provides or should have
provided your patients.
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Our professional liability policy includes:
• Disciplinary and Licensure Coverage - This coverage pays the fees, costs and expenses to defend
xthe policyholder against state regulatory action promoted by an otherwise covered injury or damage.x
xDefense costs are covered up to your professional liability limits.
• HIV Protection - With the exposure to blood borne pathogens, a dental professional faces risks which were never contemplated in years
xpast. Our policy extends income protection in case of HIV contraction.
xDefendant's reimbursement - helps defray your expenses and lost time when you attend a trial involving a lawsuit against you.

• Basic EPL coverage – our policy will provide a per-claim/annual aggregate limit of $25,000 for defense coverage when an allegation is
xmade by an employee for covered claims including Wrongful Termination, Age Discrimination, Sexual Harassment, Violations of the
xAmericans with Disabilities Act, Violations of Civil Rights, and similar federal and state law violations
Highlights of Professional Liability Coverage:
• Defense costs paid in addition to the coverage limits.

• Contractual liability coverage protects you when you assume liability in hold harmless agreements with HMOs, PPOs, IPAs or similar
xorganizations.

• Professional corporation or professional association coverage included within your professional liability limits; separate limits may be
xpurchased.
General Liability – Our General Liability policy includes:
• Water and Fire Legal Liability Coverage - covers you against claims from your landlord for fire and water damage to space occupied by
xand caused by your or employees for whom you are responsible.

• Personal & Advertising Injury Coverage - specifically protects you against claims involving testimony at inquests, malicious prosecution,
xfalse arrest, detention, imprisonment; wrongful entry or eviction or other invasion of the right of private occupancy; libel, slander or other
xdisparaging materials; violation of the right of privacy, assault, battery, mental anguish, mental shock, or advertising offenses such as
xviolation of copyright.

• Medical Payments Coverage - protects you against claims for reasonable medical expenses necessitated by accidents on your premises,
xregardless of who may be at fault.

• Medical Waste Defense Coverage - reimburses you for your defense if you are sued for improperly disposing medical waste.

• Non-owned or hired automobile liability - protects you against claims when your employees use their own cars on your business (such
xas an accident while on an errand or trip to the bank)
eprofessionalinsurance's Dental Professional Liability Program is administered by Managed Insurance Services, Inc. (MIS)
 and underwritten by Liberty Insurance Underwriters, a member of the Liberty Mutual Group of Insurance Companies.
A.M. Best Rated
A- (Excellent)
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