Occurrence vs. Claims-Made Malpractice Policies
Автор: Insurance by Dentists
Загружено: 2025-08-22
Просмотров: 12
Описание:
In today’s video, we explore the two malpractice insurance policies every dentist should understand before buying coverage: occurrence and claims-made.
An occurrence policy covers claims based on when the treatment took place, even if the lawsuit emerges years later. A claims-made policy pays when the claim is actually filed, provided the treatment happened after your retroactive date.
You'll also learn about important considerations, such as tail coverage when switching insurers or retiring, how retroactive dates and prior acts endorsements affect pricing, and why certain career stages or practice situations are better suited to one policy over the other.
By the end, you'll know exactly what questions to ask your broker and how to align your insurance with your long-term risk management goals.
Enjoy the video, and let us know any questions in the comments.
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