P.I.E. offers a claims-made insurance policy which is the current industry standard. Coverage is available for dentists who practice hospital dentistry or perform I.V. sedation, either themselves or with the help of a qualified anesthesiologist or nurse anesthetist, in their own office. Oral sedation coverage is also available under the same classification. Coverage is also provided for dentists who have their dental hygienists perform local anesthetics. Premiums are very reasonable and, as is typical with claims-made policies, start out relatively low and step up to a mature rate which remains constant from the fifth year of coverage onward.

The liability limits offered by Professional Insurance Exchange Mutual, Inc. are industry standard at $1 million per claim and $3 million annual aggregate. The Company retains a team of experienced lawyers at the firm of Snow, Christensen and Martineau and/or the firm of Dunn and Dunn which are instrumental in defending claims and negotiating reasonable settlements when necessary.

Richard C. Engar, DDS, CEO (formerly Attorney-in-Fact) since 9/1/91. Graduated from University of Washington School of Dentistry. Practiced 10 years full time in Salt Lake County. Member, Clinical Faculty, U. of Utah general practice dental residency program. Trustee, Academy of General Dentistry 1997 - 2003. 1997 Utah AGD Dentist of the Year. Distinguished Dentist Award, Pierre Fauchard Academy, 2006. Member ADA, UDA , AGD, Pierre Fauchard Academy, Academy of Dentistry International, International College of Dentists, American College of Dentists. First elected to Board of Directors April 1991.

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