Is there an advantage to using an independent agent for dental malpractice insurance in Florida?

YES. The history of medical and dental malpractice insurance over the last twenty years is one of a shifting marketplace. Medical malpractice insurers have come and gone and come again. Today, there is a lot of competition for dental professionals of all kinds. Rates for medical and dental malpractice insurance have gone up and come down and are now stabilized, due to the effects of Florida tort reform, competition for a limited number of physicians and dentists, and effective risk management.

When new dental malpractice insurance companies come into Florida, the obvious way for them to garner business is to either purchase a medical malpractice insurer or drop rates to be competitive. This creates a buyer’s market for Florida dentists.

While a Florida dentist still has to be concerned about switching insurers too often, he or she can easily do so early in the career. After that, he or she has to be concerned about securing a free tail policy, which usually requires him to be with the same company for five or more years.

Independent dental malpractice agents represent several companies. The major players in Florida now

  • Fortress Insurance Company
  • The Doctors Company
  • Professional Solutions Insurance Company
  • Medical Protective Company
  • C N A
  • Dentist’s Advantage Insurance Company

An independent agent who is skilled in dental malpractice insurance can steer the Florida dentist to the right company. Depending on their location, specialty, claims history, nearness to retirement, and office structure, any of these excellent companies may be the best for them. And the best may change through the years.

Gracey-Backer, Inc. is one of the oldest and largest dental and physician/surgeon malpractice insurance agencies in the State of Florida. We have been through hard and soft markets. We have helped dentists and physicians with all sorts of “issues”. We have excellent relationships with most of the major dental and medical malpractice insurance companies in Florida. We are willing to shop your policy every year among our strong medical malpractice companies. Our staff is thoughtful, kind, and puts the interest of the client above all.

Because Gracey-Backer, Inc. is a “full service” insurance agency, we can also help the Florida dentist and physician with their other insurance:

  • Office Policies
  • Personal Home and Auto Insurance
  • Personal Umbrella Policies
  • Workers’ Compensation Insurance
  • Cyber Liability Insurance
  • Employment Practices Liability Insurance

Please call today for a no-obligation quote. Remember…quotes are free!!

John Gracey Backer, CPA
John Gracey Backer, CPA

John Gracey Backer, CPA, is the Treasurer of Gracey-Backer, Inc., an Insurance Agency in Delray Beach, Florida specializing in All Lines of Malpractice, Professional and Personal Insurance for the Healthcare Provider. He can be contacted at (561) 404-5828, or at

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