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FAQs: The Lowdown on Malpractice Premium Rates

1.  How are premium rates determined for malpractice insurance in a specific practice area?

eNews Winter 2022

AAOIC Announces Dividend for 2021 Payable in 2022 AAOIC®, The Orthodontists’ Malpractice Insurance®, is pleased to announce that it is paying its 14th dividend of $1,700,000 to orthodontists that were insured on December 31, 2021. This will be paid by a premium credit of approximately 20% to those renewing in 2022.  

Hammer Clause---Consent To Settle

  Pure Consent to Settle vs. Hammer Clause: Do you understand the language regarding a claims settlement in your malpractice policy? It's important you do because it may have significant ramifications on your career.   What's the Difference? Understanding your consent provisions is important because settling your claim may not be the best resolution for you. Your policy's language will provide details on whether you have input in your own defense… and to what extent.  

2022 AAOIC Shareholders' Meeting

The AAOIC Shareholders' Meeting will be held virtually on Saturday, May 14, 2022 at 11:30 Eastern Daylight Time.  All AAOIC insureds are welcome to attend.  To log in, please click on the following link.  We look forward to seeing you then!

Dividend Announcement

Created by Orthodontists for Orthodontists®, AAOIC works to help safeguard your hard-earned career by offering comprehensive malpractice insurance. We believe protecting your career is worth doing right—and choosing the plan that is selected by more of your peers than any other can make the difference. Plus, we believe in returning our profits to policyholders. This year, we are returning a dividend of approximately 21%. This means your 2022 renewal invoice will include a 21% premium credit. That’s a total of $1.7 million back to members insured by 12/31/2021!

Thank you for over 25 years of support!

For 26 years we’ve been providing our AAO members with quality Professional Liability Insurance and it is our mission to continue to provide exceptional coverage and irreplaceable peace of mind when it's needed most.


To learn about all of our AAO-endorsed product offerings, and take the first step in obtaining protection from a company with experience you can trust, click here