SUMMARY

Most dentists know they need malpractice insurance. Very few know what kind they have or what happens to their record when a claim sticks. Liz Slane has been living in those details for over 30 years.

Liz Slane owns ES Agency on Long Island, New York. She specializes in malpractice insurance for dentists, oral surgeons, and physicians across all 50 states, working exclusively with A-plus rated carriers. She is the person Cameron sends his clients to when it is time to get this right.

Cameron and Liz go nuts to bolts on malpractice: the difference between claims made and occurrence policies, why leaving a DSO without talking to a broker first is a mistake, what consent to settle actually means, and the errors that follow doctors for years.

TIMESTAMPS

0:00 - Welcome and intro

1:16 - Liz's background and 30-year career

2:21 - Serving dentists in all 50 states from Long Island

4:48 - What malpractice actually covers (and what it does not)

6:21 - When a claim comes in: what your policy provides

7:57 - Coverage limits: $1 million per occurrence, $3 million aggregate

9:44 - Claims made policies: what happens when you let one lapse

11:57 - Why Liz pushes new grads toward occurrence every time

13:17 - Occurrence explained: covered even after you cancel

14:08 - The $50 new grad policy

17:21 - Invasive procedures mean higher limits and higher premiums

19:06 - The application process from start to finish

21:18 - Leaving a DSO: claims doctors never knew existed

23:07 - Why your DSO contract needs a specialist review

26:45 - Botox coverage: your state regulates it, not your carrier

27:38 - One policy covers every practice you work at

29:30 - Group vs. individual policies

31:01 - Consent to settle: the clause that protects your record

33:33 - Indemnity payments and the National Practitioners Database

37:44 - How to reach Liz

KEY TAKEAWAYS

- Claims made only covers you when the claim is filed. Let it lapse without tail coverage and you are exposed going backwards.

- Occurrence covers you for anything that happened while the policy was active, even after you cancel. For most new grads, this is the right call.

- Every new grad qualifies for a $50 first-year policy. Start there no matter what.

- DSO doctors often discover claims filed in their name they knew nothing about. Talk to a broker before you leave.

- Consent to settle means the carrier cannot close a claim without your approval. An indemnity payment follows you in the National Practitioners Database for years.

- One policy covers every location you work. Keep your locations updated with your broker.

- Botox coverage for dentists is state-regulated, not carrier-regulated. Confirm what your state allows before you add it.

CONNECT WITH LIZ

ES Agency | esinsagency.com | 631-265-5860

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