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Oral and maxillofacial surgeons should take time to research medical malpractice insurance companies, the agency that represents them and the maturity of the relationship that exists between the agency, the representative and the underwriter. Our goal is absolute advocacy to assist our policyholders in obtaining their best possible deal.
The Doctors Insurance Agency assists oral surgeons in obtaining medical liability insurance coverage from The Doctors' Company, one of the premier malpractice insurance companies on the market today.
We work hard with our underwriting team to review the full scope of your training. We understand that your education, residency and fellowship requires that train alongside internal medicine, general surgery and anesthesiology as well as spend considerable time in otolaryngology, plastic surgery, emergency medicine and other specialty areas.
Competing with Risk Retention Group's Premiums, and specialized programs designed just for dentists and oral surgeons, The Doctors' Company has to focus on maintaining low premiums and comprehensive coverage for Oral and maxillofacial surgeons in California. Fortunately, The Doctors' Company has been working with specialty specific societies for over 25 years, through the acquisition of Southern California Physicians, we acquired a department, an entire team of specialists in handling Oral and Maxillofacial surgery claims and insurance policies. Southern California Physicians Insurance Company (now The Doctors' Company) was the endorsed carrier of CALAOMS (California Association of Oral and Maxillofacial Surgeons for years. We are specialized and we are competitively priced to help you move your coverage to an expert, affordable carrier committed to California and committed to bringing you into the company with retroactive coverage intact so that you do not have to purchase tail from your previous insurance company.
Although, we (The Doctors' Company) writes insurance in just about every state in the country, we remain a force in California, with more patient safety specialists in California and around the country than any other medical malpractice insurance company, we are poised to assist you in managing your practice and keeping your claims and your premiums low.
Claims can have the net result, over time of raising your premium as you may become ineligible for premium reducing discounts; you may remain insurance eligible, and we can almost always assist you in finding an Oral and Maxillofacial Surgery medical malpractice insurance policy. And, you may just have to place your coverage with a non-standard carrier or a surplus lines carrier willing to underwrite dentists or surgeons with a claims frequency problem.
The Doctors' Company works with Oral and Maxillofacial Surgeons to reduce the chance of being named in a law suit. One example of our patient safety specialists working with our different medical specialties is as follows:
As the first medical professional liability insurer to establish a patient safety department, The Doctors Company works hard studying and developing resources for you to learn how to reduce your risk and maintain competitive discounted premiums. Perform and document a thorough pre-sedation evaluation and include an ASA score.
A pre-sedation exam is essential to patient safety. Assigning an ASA score (the ASA's risk score) to each patient will ensure that those who need further workups (i.e., those with an ASA score of >2) will be cleared prior to sedation. Gaining appropriate written informed consent is part of the pre-sedation evaluation. In addition, ask pertinent patient history questions about prior problems with anesthetics, drug allergies, and smoking. For complete guidelines, visit the ASA Standards Guidelines and Statements page click here and select “Distinguishing Monitored Anesthesia Care (‘MAC') from Moderate Sedation/Analgesia (Conscious Sedation).
The American Dental Association's policy statement on the use of conscious sedation (moderate sedation), deep sedation, and general anesthesia in dentistry is available here.
Keeping abreast of the latest research and drug modalities will help you maintain your competency and keep your patients safe from medication administration errors. In order to remain claims free and rich in premium discounts, our oral surgeons and dentists use the full extent of our risk management and patient safety resources: Bring in a patient safety representative to your office to maximize your learning and to complete
Oral and Maxillofacial Surgeons train almost exclusively on the hard and soft tissue of the face, mouth and jaw, performing many surgical procedures:
Treatments may be performed on the craniomaxillofacial complex: mouth, jaws, neck, face, skull, and include:
Rates for Oral and Maxillofacial Surgeons in Los Angeles, California range from $ 4,000 to $ 13,000 depending on the number of years of retroactive coverage you need and the specific claims history.
With good claims history, you could pay as low as $ 2,500 per quarter for a full time, Oral Maxillofacial Surgeons policy with retroactive coverage negating the need for you to purchase tail from your previous insurance carrier. We combine our carefully selected endorsement programs, with risk management discounts, and claims free scheduled credits to reduce the premiums below that of OMSNIC and Fortress.
The Doctors' Company dental professional liability insurance rates in Northern California range from 2,000 to 5,000 annually including full prior acts coverage. We are selective about who we approve, and with a clean application and a good claims history report, we can go to work for you to save you premium.
The Doctors Insurance Agency is committed to understanding anything about your practice that you believe should make a difference in your malpractice insurance premium. Let us go to work for you.
For more information regarding medical malpractice insurance for Oral and Maxillofacial Surgeons, contact us or fill out the form to receive customized Oral and Maxillofacial Surgery medical malpractice insurance quote.