The American Association of Orthodontists Insurance Company’s (AAOIC) Malpractice Insurance is the most popular orthodontic liability insurance in the United States. Many American Association of Orthodontists (AAO) members consider it the greatest single benefit of membership. In fact, over 50% of all active AAO members are already insured through us. Read on to learn the top six reasons most orthodontists choose AAOIC Malpractice Insurance.

1. Claims are reviewed by committee of experienced orthodontists.

Unique to the AAOIC program, claims are reviewed by a committee of experienced AAO member orthodontists, not just a claims processor. Review board members are professionals who understand your practice, are sympathetic to your cause, and can help develop strategies in your best interest depending on the facts of a particular claim. In addition, the AAOIC works with a team of attorneys nationwide who are experienced in dental and orthodontic malpractice defense.

2. There’s no settlement of any claim without your consent.

In addition, unlike some other malpractice policies, the AAOIC plan pays for all defense costs outside the limits of liability. This means that the full amount of the limits you purchased is available to pay any claims.

3. Many types of discounts are available, with up to 85% savings for new graduates.

AAOIC insurance is affordable and competitive. Plus, we offer a number of discounts. If you qualify, you can combine them for savings of up to 50% per year on your malpractice insurance.

Recent orthodontic school graduates can receive up to 85% off their first year’s premium*, and can take advantage of a lower rate during the second and third years of their policy when they purchase the AAOIC plan as their first malpractice coverage after graduation.

4. Every policyholder is a shareholder of the company.

You share in annual profits of the company when a dividend is issued. In years when a dividend is paid, it’s like getting a partial refund on your premium. Unlike other companies, AAOIC is not in business to make profits for investors. We are in business to provide quality, reliable, and affordable malpractice insurance as a benefit of your membership in the AAO.

5. All claims over $150,000 are reinsured by four reinsurance companies rated A to A++. We are backed by billions of dollars, so AAOIC will be here for the long haul.

Rest easy knowing you’re covered now and in the future.

6. We are the only malpractice insurance company endorsed by the AAO, because we’re Created by Orthodontists for Orthodontists®.

AAOIC Malpractice Insurance is one-of-a-kind, created to meet the specific needs of our specialty. Not surprisingly, it’s also the only malpractice insurance program endorsed by the AAO. AAOIC is the largest provider of malpractice insurance for orthodontists in the United States, covering over 50% of all active AAO members.

Being the target of a liability claim is one of the most difficult professional challenges an orthodontist can face, which is why AAOIC works tirelessly to effectively represent every policyholder involved with a malpractice claim or lawsuit.

Apply now for AAOIC Malpractice Insurance

*For the first five years of your policy we ask that you purchase a minimal amount of stock, so you become a stockholder in the insurance company. This ownership allows you to share in the profits of the company when a dividend is issued. Dividends are not guaranteed on a yearly basis. Cost of purchase is only $50 or 3% of premium.