Frequently Asked Questions

Find answers to your questions about the PSIC Malpractice Program

Click on one of the questions below to view the answer.

  1. Why do I need to purchase malpractice insurance?
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  2. What is covered under PSIC's policy?
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  3. What limits are offered by PSIC?
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  4. Why is a true Consent-to-Settle clause such an important feature of PSIC's insurance plan?
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  5. What is the difference between Occurrence and Claims-Made coverage?
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  6. Is there a difference in premiums for Claims-Made and Occurrence coverage?
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  7. What is "Tail" Coverage?
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  8. Can I start out with one type of coverage and switch to the other?
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  9. What is professional entity coverage and why do I need it?
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  10. Can more than one dentist be covered by my malpractice policy?
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  11. Are my hygienists covered by my malpractice policy?
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  12. What is vicarious liability?
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  13. How long does it take to get coverage?
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  14. Does PSIC offer premium discounts?
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  15. What if I move to a new state?
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  16. How do I obtain verification of coverage, my claims history or a loss run report?
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  17. What is considered a claim?
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  18. If I talk with a claims representative regarding a situation, is a claim file automatically opened?
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  19. Is there a price difference between working directly with PSIC vs working with an agent representing PSIC?
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  20. How do I make changes to my policy?
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