Frequently Asked Questions About Professional Liability Coverage

Managing your career can be stressful as it is, and when you add ensuring you have the right professional liability coverage, it can be downright overwhelming. As a member of the American Association of Orthodontists (AAO), you have exclusive access to the only professional liability coverage Created by Orthodontists for Orthodontists® through the American Association of Orthodontists Insurance Company (AAOIC).

Why should I consider AAOIC Professional Liability Insurance?

  • The AAOIC has been providing quality Professional Liability Insurance for 20 years
  • You’re in good company when deciding to obtain your Professional Liability Insurance through the AAOIC—58% of active members are already insured through us
  • Not only does the AAO trust AAOIC Professional Liability Insurance, it is the only plan endorsed by the AAO. No other coverage can make that claim
  • You have the choice of obtaining a claims-made policy form or an occurrence policy form
  • Rest easy knowing all claims over $150,000 are reinsured by four reinsurance companies rated A++, or A for complete security
  • You have access to separate or shared limits for both individuals and professional corporations for a small additional premium
  • All claims are reviewed by a committee of experienced orthodontists who understand the intricacies of orthodontic care

What supplemental coverage is available?

  • $10,000 expense reimbursement for first aid rendered in an orthodontist’s office at the time of an orthodontic incident and for 12 months thereafter
  • Defense expenses for civil investigation by a state regulatory agency

What risk management support do you offer?

  • An annually updated DVD full of helpful information and tips is available on the AAO website
  • Risk management programs are available at every AAO annual session. You can even qualify for a premium reduction just by attending

How much does coverage cost?

Speaking with your sales representative or visiting us online at will give you an accurate, hassle-free quote for what you can expect to pay for the coverage you need. What we can tell you now, though, is that we work to provide the most affordable coverage options for all insureds, and new graduates, or soon-to-be graduates, can save up to 85%* in their first year of practice. Additionally, second and third year discounts are also available when the AAOIC plan is the first plan purchased right after graduation.

Additionally, AAO members have access to a number of other affordable and comprehensive insurance programs including Level Term Life Insurance, Disability Income Insurance, Professional Overhead Expense, Business Owner’s Insurance, Employment Practice Liability Insurance, and Cyber Liability Insurance.

* To qualify for the full premium discount, you must participate in the risk management program.