Why RDHs should carry their own malpractice insurance
As CM&F puts it, even if you have employer-provided coverage, you may not be fully protected if you are named personally in a claim — an individual policy gives you 24/7 protection anywhere you're licensed, including private and volunteer work. Claims can arise from injury, infection, or a perceived failure to detect underlying issues.
- Proliability's dental hygienist plan lists limits up to $1M/$3M, HIPAA coverage $50,000, Licensing Board Reimbursement $25,000 per incident / $100,000 per policy period, and First Party Assault coverage $25,000.
- Deposition expense ($15,000) and wage loss ($2,500/day up to $35,000) help cover time away from work.
- An individual policy follows you between practices and doesn't lapse when you switch employers.
Occurrence vs claims-made (RDHs)
Specialty carriers for hygienists generally offer occurrence coverage, ideal for mobile hygienists — past procedures stay covered after you change practices, with no tail coverage required. CM&F emphasizes instant quotes and same-day coverage that is portable 24/7. If you hold a claims-made policy, understand the tail cost before you leave a job.