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Professional liability, also known as Errors and Omissions insurance, is just it sounds like: insurance for the professional. It can cover professionals, such as: • Lawyers • Accountants • Real Estate Brokers • Insurance Agents • Doctors • Nurses • Dentists • Dental Hygienists • Others Like the physician or medical professional, a dentist or dental specialist needs this kind of coverage to protect him or her from alleged charges of patients in the event of a related lawsuit. Professional Liability coverage for the dentist can include one or a partnership of dentist. This coverage shields against injury claims that results from a patients accusations associated with the following: • Malpractice • Error • Oversight in professional activity Similarly, the dental hygienist requires professional liability insurance to cover him or herself from the possibility of a claim connected with: • Professional negligence (malpractice) • Errors • Oversight in providing professional services Those unfamiliar with the details of this coverage may argue that many dentist offices provide all-encompassing coverage for both dentists and hygienists. However, a separate policy for the individual hygienist is recommended due to various listed factors: • The employers coverage does not kick in if the coverage limits have already been exhausted • The employers coverage may not be in effect if the insurance is not maintained What type of claim can threaten those in the dental industry? Professional liability for the dentist, dental specialist and dental hygienist is necessary in these illustrated insurance instances: The Case of the Orthodontist Mary's daughter kept up with her monthly orthodontist visits as she was instructed. Never missing any treatment, she looked forward to the day when the appliances that the orthodontist had given her would be removed to reveal a beautiful smile, enhanced by straight white teeth. When the anticipated day arrived, she and her parents were sorely disappointed. Her bite was far from perfect. Mary's parents sued the orthodontist, alleging poor treatment and poor results. The Case of the Endodontist Suffering from the effects of gum disease, Ron underwent the endodontic surgery recommended by his dentist. Post-surgery recovery did not go well. Ron experienced an infection that resulted from sinus perforation. Ron sued the endodontist that performed the surgery. The Case of the Dentist Kim suffered loss of teeth after implant restoration performed by her dentist. She sued the dentist, alleging improper implant restoration. The Case of the Dental Hygienist It's not easy working in a busy dental office. For one dental hygienist the rushed work was only the start of her problems. A patient she had performed hygienist work on initiated a lawsuit for a laceration that she alleged was the result of the dental worker's hurry to meet the practice's demanding schedule.