Commercial Insurance

Professional & Business Liability

The Dentists Insurance Company (TDIC) policy helps to cover legal obligations for injury due to acts or omissions in the rendering of professional services. Coverage is available with liability limits up to $5 million per claim and $5 million aggregate per year. Optional employment practices liability coverage is available. TDIC assists MDA members and policyholders with various risk-management services, including a toll-free help line, seminars and self-study courses. Policyholders can earn a two-year, 5 percent policy discount when they complete a TDIC risk management seminar or self-study course. Ask your TDIC Insurance Solutions agent about TDIC's various discounts, credits, and flexible payment options, including its Multiline discount and automatic payment withdrawal program. For more information visit www.thedentists.com.

Building & Business Personal Property

TDIC's Multiline coverage provides comprehensive protection for dental offices, buildings and their contents with built-in limits and coverages. All offices are different; therefore, various optional coverages are available to tailor the office property coverage to meet your specific needs.

Loss of Income Endorsement

TDIC provides an optional coverage that allows for an increase to the per-business-day loss of income benefit in excess of the policy's standard benefit amount. When a property loss occurs the covered property will be replaced or repaired on the basis of the property's cost at the time of the loss, not the property's depreciated cost. Ask your TDIC Insurance Solutions agent about the Multiline discount available to MDA members.

Business Overhead Expense

Unum Life Insurance Company of America plan provides a monthly benefit to help cover fixed office overhead expenses such as rent, utilities, interest payments, equipment leases and employee salaries when the insured becomes totally disabled from a covered illness or injury. Benefits start after 30 consecutive days of disability and can continue to a maximum of 24 months, based on the maximum benefit period selected and benefits limitations. The policy has exclusions and limitations, which may affect any benefits payable.

Workers' Compensation

Hartford Life Insurance Company policy compensates for an employee's injury arising out of and in the course of employment, regardless of negligence or either party's fault. You have an opportunity to earn dividends from this group dividend plan.

For more information about MDA sponsored insurance procucts, call TDIC Insurance Solutions at 877-245-1070 (sales) 800-733-0633 (service) or visit the TDIC Insurance Solutions, Inc. web site at www.tdicsolutions.com/mda/index.asp Click here to visit TDIC Insurance Solutions, Inc. web site.