EDIC Life Cycle

For more information or if you have any questions, Call Toll Free:
1-800-898-3342 or Request More Info Online.

EDIC Life Cycle:

Student / Resident
New Professional
Owner / Partner
Mature Practitioner
Retiring Dentist

Student / Resident

EDIC – The Place for Malpractice Insurance for Dental Students and Residents

Student dentists and aspiring resident dentists need malpractice insurance to protect them as they practice dentistry. If residents should work off school premises in a private practice setting, they will require a "moonlighting" professional liability policy. EDIC makes that job easy. We have affordable rates to offer this protection.

Other insurances which are offered by EDIC, and their affiliates, EDIA and EDFS:

Auto Insurance
Homeowner's or Renter's insurance
Term Life Insurance
Disability Insurance
Medical/Dental Insurance (provided through your Society)

Learn more about our Student / Grad program or contact us if you have any questions

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New Professional

EDIC - A Leading Medical Liability Insurance Company for New Dentists

EDIC is one of the leading medical liability insurance carrriers for new dentists. Because we understand how difficult it is to get started in your dental career, EDIC offers the most liberal discount program to new dentists on medical liability insurance.

In addition, because new dentists are in the initial phase of their careers, their personal lives also demand that they have other insurance to cover them in every aspect of their lives. EDIC’s affiliates, EDIA and EDFS, offer new dentists additional insurance and financial services.

New Dentists Need to Consider These Products:

You are just commencing the practice of dentistry. EDIC, EDIA and EDFS can advise you on the following:

Malpractice Insurance
Auto Insurance
Life Insurance, Term and Whole Homeowner's Insurance
Personal Umbrella Policies
Possible Office Insurance
IRA Planning
Basic Financial Planning and Debt Management
Estate Planning
Income Tax Planning
Insurance and Risk Management Planning
Education Funding for Children
Design and Implementation of Coordinated Investment Strategies

Contact us if you have questions about any of our products or request information online

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Owner / Partner

Dental practice owners or partners have invested in their dentist practices and they own part, or all, of their business.

"The Colleagues' Choice Program"

EDIC through its affiliate, EDIA, has established a commercial insurance package called "The Colleagues Choice Program" that has been created especially for this period of a dentist’s career.

Dental Professional Liability Insurance (malpractice)
Dental Office Package (property and general liability insurance)
Employment Practice Liability Insurance (EPLI)
Workers' Compensation

In addition, insurance professionals from EDIA and EDFS recommend a dental owner/partner have:

ERISA bonds
Practice Interruption insurance
Business Overhead Protection
Office Group Insurance Plans/Health Benefits
Qualified Retirement Plans 401(k)s or SEPs.

Contact us if you have questions about any of our products or request information online

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Mature Practitioner

A Mature Dentist or Practitioner Needs Professional Liability Insurance, plus Other Insurance

If you are a mature dentist with a well-established practice, you need to review your insurance coverage at least yearly to ensure adequate protection. In addition to professional liability insurance, EDIC, through its affiliate, EDIA, offers dentists full coverage of their business insurance needs. This may also include hiring associates, sucession planning and retirement planning. For this stage, you will need the following coverages:

Malpractice Insurance
Auto Insurance
Professional Liability Insurance (Increasing limits)
Property/Casualty Insurance (Keep pace with your growing practice)
Estate Planning

Survivorship Insurance
Retirement and Estate Tax Planning
Buy/Sell Agreements
Will/Trust Establishment
Income Tax Reduction Strategies
Insurance and Risk Management Planning
Education Funding for Children

Contact us if you have questions about any of our products or request information online

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Retiring Dentist

Retiring dentists need malpractice medical insurance, specifically tail coverage, to ensure that if any malpractice claims are brought against them after they retire, they are covered. In addition to the professional liability insurance coverage, other insurance is necessary to ensure they have a successful exit from their career as a dentist and enjoy their retirement.

EDIC provides free tail coverage for dentists over 50 who have five years of continuous coverage with EDIC. This does not apply to dentists who have occurrence type coverage.

Don’t Wait for this Stage – Plan Years Ahead

This phase of your career needs the most planning. You are retiring, after a long and prosperous career as a dentist. You deserve to enjoy it, but you need to make sure you have the right insurance and financial services in place, so plan ahead.