Association Offers Liability Enhancements for Orthodontists

January 12, 2012

The American Association of Orthodontists Insurance Co. (AAOIC) has added five enhancements to its professional liability insurance plan for members of the association.

The enhancements will be automatically offered to all new and in-force AAOIC Professional Liability Insurance policyholders effective Oct. 1, 2011. They include a broad range of new coverages.

Enhanced consent-to-settle privileges will mean that no claim or lawsuit is settled without the member’s consent, and they will not be penalized when they do.

There will also be an enhancement for sexual misconduct defense of up to $25,000 per claim, as well as annual aggregate.

The AAOIC is eliminating the HIV/AIDS exclusion, which will offer coverage for the accidental transmission of HIV/AIDS. Deliberate or intentional transmission will still be excluded.

Up to $10,000 will be available in coverage for expenses incurred while rendering first aid. Finally, accidental property damage will be included with an aggregate limit of up to $5,000.

“Making sure our professional liability insurance plan provides the ‘gold standard’ in protection for orthodontists has always been a top priority at the AAOIC,” said Dr. Raymond George, Sr., DMD, chairman of the AAOIC marketing committee. “These new enhancements help keep the program contemporary with our member’s needs.”

Only AAO member orthodontists are eligible to enroll in the AAOIC Professional Liability Insurance Plan.

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