Orthodontist's Malpractice Insurance

Coverage Tailored To Your Needs

Solutions Created by Orthodontists for Orthodontists®

It’s not uncommon for an orthodontist to be the target of a malpractice claim. That’s why Pearl Insurance and the American Association of Orthodontists Insurance Company (AAOIC) are working together to effectively protect each policyholder. AAOIC’s malpractice insurance is the most popular of its kind in the United States. Many AAO members consider it the greatest single benefit of membership.

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Choose the option that best suits your needs and your state to get a quote below.


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AAOIC Malpractice Insurance Features

As an AAO member, you’ll have exclusive access to AAOIC’s valuable malpractice coverage features, including:

  • $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
  • Your choice of claims-made coverage or occurrence coverage
  • All claims over $150,000 are reinsured by four reinsurance companies rated A++, A+, or A for complete security
  • You have access to separate limits and shared limits for both individuals and professional corporations at no additional cost

Risk Management Support

  • 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
  • New graduates, or soon-to-be graduates, can save up to 85% in their first year of practice when participating in the risk management program

Coverage That’s Right For You

  • The only plan endorsed by the AAO
  • Over 20 years of experience in providing quality malpractice insurance
  • Over 50% of active AAO members are already insured through AAOIC
  • All claims are reviewed by a committee of experienced orthodontists who understand the intricacies of orthodontic care