As a recent graduate, you have many expenses. Nevertheless, professional liability insurance plays a critical role in protecting your hard-earned career. AAOIC offers new—or soon to be—graduates a $25 occurrence policy1 in their first year of practice.2
And, by choosing AAOIC for your coverage, you can also qualify for additional discounts in your second and third year. A $25 claims-made policy is also available. Talk to your rep today to see which coverage is right for you.
1Does not include the $20 Capital Contribution. Indiana and Louisiana Patient Compensation Funds are added to the premium. Additional insured coverage is added for the greater of $25 or 10%. Additional coverage for an owned business entity is the greater of $25 or 5% for shared limits, or $25 or 10% for additional limits. Higher policy limits will disqualify the new graduate credits from being applied. All past claims and coverage history are reviewed, and coverage is not guaranteed to all individuals.
2These offers are not available in some counties.
"The fact that the AAO Malpractice Insurance Program is run by orthodontists, for orthodontists, gives me confidence that they understand my needs."
– Dr. Candice Coleman, Clarksville, TN
•
•
•
Fill out the form to start your estimate for coverage.
Your sales rep will contact you to review your options.
We will quickly review your application and respond to your request for coverage.
Our application process is fast and easy. Simply fill out the form today to get started!
You can expedite the application process by downloading the application, participation agreement, and shareholder agreements ahead of time.
Claims-Made*
Claims-made offers protection for any covered incident when both the incident and claim occur while the policy is/was in force. It does not cover claims after the policy has lapsed or been canceled if tail coverage has not been purchased.
Occurrence Coverage
Occurrence offers protection for any covered incident that occurs during your policy period, regardless of when the claim is made.
*Tail coverage extends the period of coverage. One of the unique features of AAOIC claims-made coverage is free tail coverage is provided upon death or total permanent disability at any age. And there's no charge for tail coverage with your claims-made policy if you retire after age 50 and remain continuously insured with us for the preceding four years or more.
As the only insurance company Created by Orthodontists, for Orthodontists®, AAOIC understands the challenges you face in your practice. And protecting those who work in orthodontics is what we do best.
AAOIC Malpractice Insurance is the only plan endorsed by the American Association of Orthodontists (AAO), and more orthodontists choose our malpractice coverage than any other plan in the United States.
Claims are reviewed by a committee of experienced orthodontists—your peers, not just a claims processor. And, though a successful company like AAOIC typically handles claims out of court, you're covered if it goes to trial and there will never be a settlement without your consent.
We've been defending AAO members for more than 25 years. And claims over $200,000 are reinsured by three reinsurance companies rated A+ (Superior) by A.M. Best. With billions of dollars backing us, we're always prepared to support our members—no matter the size of the claim.
AAOIC offers both claims-made and occurrence policies in all 50 states. Unlike regional insurers, we understand the risks associated with practicing in every area of the country, and your policy is portable and can be taken with you wherever you go. Free unlimited duration tail coverage is also available to those who qualify.
Every policyholder is a shareholder of the company. That means our profits are shared with each insured in the form of a dividend paid as a premium credit. Unlike other companies, we are not in business to make profits for investors. Instead, our goal is to provide quality, reliable, and affordable malpractice insurance.
AAOIC Insurance Program Administrator
1200 E. Glen Ave.
Peoria Heights, IL 61616
ph. 800.622.0344
fx. 866.817.9009
221194
