Navigating the world of malpractice insurance can feel overwhelming—especially for dentists just starting out. But don’t worry: FDA Services is here to simplify the process. One of the most important decisions you’ll face is choosing between Claims-Made and Occurrence policies.

Both policy types provide coverage for malpractice claims and include legal defense, but the way they work—and what they cover—differs significantly.

What Is an Occurrence Policy?

An Occurrence policy covers any incident that happens during the time your policy is active—even if the claim is made years later.

Example: If you perform a procedure in 2025 and get sued in 2030, your 2025 occurrence policy will still cover the claim, as long as the incident happened during the active coverage period.

Benefits of Occurrence Policies:

• Long-term peace of mind—no matter when a claim is filed.

• No need to buy tail coverage if you cancel or switch policies.

• Ideal for dentists who are unsure of their long-term practice location or career plans.

Pro Tip: Occurrence policies are highly portable and offer a clean break if you move practices or take a career pause.

Considerations:

• Higher upfront cost compared to claims-made policies.

• Will not cover incidents that happened before the policy began.

What Is a Claims-Made Policy?

A Claims-Made policy covers you only if the claim is made while your policy is active—and only for incidents that occurred after a specific retroactive date (usually the start of your policy).

Example: You’re covered if a procedure performed in 2024 results in a claim in 2025—but only if your policy is still active and includes 2024 as your retroactive date.

Benefits of Claims-Made Policies:

• Typically more affordable upfront—great for new dentists watching their budget.

• Good fit for dentists who are settled in a long-term practice.
  
  

Considerations:

• Requires continuous coverage to maintain protection.
  You’ll likely need to purchase tail coverage if you cancel, switch carriers, or pause your practice—unless your policy includes a free retirement tail.

So, how do you choose? 

Consider your current coverage, budget constraints, and career plans. Stick to what you have if it suits your needs or switch to save money, but be prepared for additional management and costs down the line. If you are new to practice and unsure of your future career plans, occurrence is the way to go.

The Bottom Line

Whether you choose Occurrence or Claims-Made malpractice insurance, the most important thing is that you’re covered. Malpractice insurance is your professional safety net—protecting you from unexpected claims that could affect your career and finances.

Need help deciding? Ready to get a policy in place?

Contact us for personalized insurance guidance! Call or text us today at (850) 350-7155!