As a dental professional with valuable assets, you need personalized insurance products tailored to your unique needs, and we’ll work with you to ensure complete coverage from quote to claim.
PDA Membership Benefits
You have a lot to smile about.
Enjoy the convenience of one-stop shopping and the peace of mind that comes from having a single source for all your insurance needs. PDAIS, an endorsed vendor of the Pennsylvania Dental Association, provides a variety of business and personal insurance programs to Pennsylvania dentists, their families and staff. We offer an unparalleled understanding of your profession and coverage designed with your practice in mind.
As an Alera Group agency, we have access to the resources, technical expertise and best practices of a large national firm, while maintaining our personalized, local relationships. The innovative culture of Alera Group allows us to collaborate with national partners to expertly meet your unique needs.
We're pleased to offer the products below to PDA members. We encourage you to contact us for a free, no-obligation quote and start saving today!
New Dentist Program: $50. That’s all new graduates pay for their first year of professional liability insurance. Learn more.
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Our Team
Professional Liability Insurance
Professional liability insurance (PLI) is as essential to your dental practice as any instrument or procedure. We are pleased to offer coverage from The Dentists Insurance Company (TDIC). TDIC's professional liability coverage is tailored specifically to dentists and is now available as claims-made and occurrence.
See how you can benefit from TDIC Professional Liability protection:
- Coverage built to meet the unique needs of dentists at a fair price
- Personalized, attentive service from our experienced experts
- One-on-one risk management guidance from smart analysts
- Premium discounts with bundled policies to help you save
Contact us to help you determine the best coverage for your situation.
Bundle & Save! Bundle professional liability with commercial property and save 12 percent on each policy. You also can save an additional 5 percent on professional liability by taking the current TDIC Risk Management seminar.*
*Discounts apply to individual policies and are not cumulative. To obtain the professional liability premium five (5) percent, two-year discount, you must complete the current TDIC Risk Management seminar. Contact PDAIS for current deadlines and seminar details.
Building & Business Property Insurance
Building and business property insurance protects your business against damage to buildings and their contents from fire, theft and other hazards.
The Dentists Insurance Company (TDIC): In 2003, PDAIS selected TDIC as their professional liability and commercial property insurance carrier. The building and business personal property policy is a replacement cost policy which includes many built-in limits and coverages, offering dentists a comprehensive property plan. TDIC's policy offers protection for your dental office, your building and their contents.
Other features:
- All-risk property protection covers your building and its contents
- Business income protection
- Coverages with additional limits and specific sublimits
- Discounted premiums for qualified practitioners
- Interest-free payment options
- Multi-line discount
- Free prior acts - a tail is not needed when you switch carriers.
- It also provides eligibility to apply for Cyber Suite Liability, additional protection to help you respond to a full range of cyber incidents — from data breach to computer attacks to extortion.
Bundle & Save! Bundle professional liability with commercial property and save 12 percent on each policy. You also can save an additional 5 percent on professional liability by taking the current TDIC Risk Management seminar.*
*Discounts apply to individual policies and are not cumulative. To obtain the professional liability premium five (5) percent, two-year discount, you must complete the current TDIC Risk Management seminar.
Workers’ Compensation (WC)
Mandated by law, workers' compensation insurance provides income, medical benefits and rehabilitative services for workers injured on the job or while performing work-related duties. We are proud to offer coverage from the following companies:
Eastern Alliance Insurance Group, a specialty underwriter of workers' compensation products and services for businesses and organizations in the Mid-Atlantic, New England, Southeast, Midwest and Gulf South regions. Only Eastern offers you ecovery®, an exclusive “Return to Wellness” program, and the parallel pay® “pay-as-you-go” plan, in addition to:
- Stable, competitive rates
- Outstanding service
- Proactive claims management
- Extensive risk management resources
- Learn how PDA-endorsed ECCA partners with Eastern's parallel pay® plan!
Ohio Casualty, a major regional property and casualty insurer doing business with independent agencies within the northeast region of the United States. Licensed in Connecticut, Maine, Massachusetts (business insurance only), New Hampshire, New Jersey (business and home insurance only), New York, Pennsylvania, Rhode Island and Vermont, Ohio Casualty provides solutions for small to mid-sized businesses as well as individuals and families. Ohio Casualty member companies have earned financial ratings of "A" (Excellent) from A.M. Best, the industry standard for financial strength.
Cyber Suite Liability
As cyber security issues become more prevalent and complex, dentists and their practices need more robust protection and tools to respond. TDIC’s Cyber Suite Liability coverage provides broad protection to help you respond to a full range of cyber incidents, including breach of personal information, unauthorized intrusion into or interference with your computer systems, damage to data and systems from a computer attack and cyber-related litigation.
What’s covered?
- Recovery for covered expenses related to data compromise response
- Computer attack and cyber extortion
- Data compromise liability, including regulatory proceedings
- Network security liability
- Electronic media liability
Click here for the application or request a free quote.
Employment Practices Liability Insurance (EPLI)
Employment practices liability insurance (EPLI) is specifically designed to protect against the unique employment-related risks of dental practice owners. It offers insurance protection against claims and lawsuits that are brought against a business, its officers or directors, or its employees and managers, and generally cover charges in the following areas:
- Gender, age and other types of discrimination
- Sexual harassment
- Wrongful termination or discipline
- Negligent compensation, promotion or hiring decisions
- Breach of contract for employment
- Emotional distress or mental anguish
- Invasion of privacy
- Libel or slander
- Employee benefits mismanagement
We're pleased to offer coverage from TDIC with optional coverage for EPLI with limits of $50,000 or $100,000.
Business Overhead Expense Insurance
Disability income insurance can help you protect your personal finances when you can’t work. But if you own a business, you should also have business overhead expense (BOE) insurance – to help keep your business up and running until you can return. Depending on your age, you can apply for monthly coverage of up to $20,000 at competitive group rates to help pay for:
- Office rent
- Employee salaries and benefits
- Utility bills, including heat, phone and internet
- Premiums for business and malpractice insurance
You can apply for the BOE program if you are a PDA member, in full-time practice and under age 60. All applications are subject to Company acceptance.
Coverage is subject to underwriting approval by the insurer.
SEMI-ANNUAL PREMIUMS* PER $1,000 OF MONTHLY BENEFIT 30 DAY WAITING PERIOD ATTAINED AGES.
Click here for the application or to get a free quote.
Other Resources:
- Download our BOE brochure for more information about the plan including exceptions and limitations, and a monthly expense worksheet that will help you determine what your overhead expenses are and how much BOE coverage you need for your office.
- FAQ Guide
*Annual premiums are twice the semi-annual premium. Rates are reviewed annually and subject to change.
Policy form GPNP99-ASSN
Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force.
Insurance coverage is issued by Metropolitan Life Insurance Company, New York, NY 10166.
L0523031858[exp0525][All States][DC,GU,MP,PR,VI] // © 2023 MetLife Services and Solutions, LLC
Disability Insurance
Disability protection, just for PDA members
You're a dentist who relies on your health for your livelihood. While disability is a prospect no dentist wants to face, choosing disability coverage now can help ensure that, in the event you do need it in the future, you will have the freedom to focus on healing instead of financial stress. And now, PDAIS includes the group purchasing power of a MetLife insurance plan.
Discover the difference:
- Benefit of 60% of your pre-disability earnings, up to a maximum of $8,000 monthly
- Benefits payable even if you can work but cannot practice dentistry
- Premiums are waived as soon as total disability benefit payments begin
Additional Information:
- Download our Disability Brochure for more information about the plan including exclusions and limitations.
- FAQ Guide
Free quote
Like most group disability insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force.
Insurance coverage is issued by Metropolitan Life Insurance Company, New York, NY 10166.
L0523031858[exp0525][All States][DC,GU,MP,PR,VI] // © 2023 MetLife Services and Solutions, LLC
Coverage is subject to underwriting approval by the insurer.
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Case Studies
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- Ear, Nose & Throat Surgery
- Gastroenterology
- General Surgery
- Imaging
- Medical Labs
- Ophthalmology
- Orthopedic Surgery
- Pain Management
- Physical Therapy
- Sleep Studies
- Urology
- Women’s Surgery
- And More
* Services can vary based on market
Additional Resources
Meet the Team
Megan Geider, CPCU, AINS, CPIA
Manager, Dental Division
mgeider@bellinsuranceinc.com
(877) 476-4588, ext. 2304
Gabrielle Wilday
Account Executive, Dental Division
gwilday@bellinsuranceinc.com
(877) 476-4588, ext. 2306
MOM-n-PA Dental Missions
Our Products
Get a QuoteGet a Quote
Contact Us:
4550 Lena Drive, Mechanicsburg, PA 17055
Email: memberbenefit@pdais.com
Phone: (877) 732-4748
Fax: (717) 234-4163
Office Hours:
8 am – 4:30 p.m. M-F
Summer Fridays 8 am - 1 pm
The next MOM-n-PA event will be held June 6-7, 2025, at the Mohegan Sun Arena in Wilkes-Barre.
MOM-n-PA is an annual two-day free dental clinic for underserved Pennsylvanians in which dental treatment is provided at NO COST to individuals who cannot afford dental care.
All services are provided free of charge by members of organized dentistry and assisted by a host of volunteers. To learn about becoming a volunteer, please click here.
Professional Liability Insurance
Please see the below information regarding obtaining PL coverage for dentists and physicians.
Dentists:
If you are a dentist who does not currently have professional liability insurance or only has coverage at your place of employment, you may be eligible to receive free professional liability insurance for the two-day event. Please complete and return this form. All dentists with active professional liability policies will need to rely on their current policy for coverage.
Physicians:
Physicians, please complete this this application and a signed no loss statement and also provide:
- The reason you are seeking coverage on this policy (uninsured? retired? etc.)
- Status with the entity – Independent Contractor, Employee or Volunteer
- Services to be provided
MOM-n-PA is an annual two-day free dental clinic for underserved Pennsylvanians in which dental treatment is provided at NO COST to individuals who cannot afford dental care. Learn more at www.mom-n-pa.com.
To learn more about this event, please visit the Mom-n-PA website.
That’s right, 50 bucks. That’s all your first year professional liability insurance will cost with The Dentists Insurance Company. What’s more, you’ll receive a 45% discount on your second year of practice and 25%on your third.1
Why TDIC? TDIC was started by dentists and protecting dentists is all they do, which is why they're the experts in the type and amount of insurance you’ll need at every stage of your career.
30 year history and protects nearly 18,000 dentists nationwide.
Committed to providing exceptional customer service.
Apply below, it takes just minutes to complete. Submit electronically with your e-signature.
Questions? Contact PDAIS at (877) 732-4748.
