Customized Insurance. Customized Solutions!

Practice Liability

Professional Liability Insurance Program For Dentists

We are proud to be the exclusive agent for the Professional Protector Plan® for Dentists in Idaho, Utah & Montana. The Professional Protector Plan® has continuously insured dental professionals across the nation since 1969 with insurance customized to meet the needs of individual practices . We offer a comprehensive insurance program developed specifically for the dental practice by providing insurance protection through professional liability insurance, general liability insurance, employment practices liability insurance, cyber liability insurance, workers compensation, and property insurance.

Only with the Professional Protector Plan® will you have an insurance program issued through a carrier with the strength and stability of AAIC, which has earned an A rating from A.M. Best. Additionally, the PPP offers all of your professional insurance through a single provider, eliminating the inconvenience that you may face by choosing multiple companies for various insurance needs.

Dental Insurance Applications


Disability Insurance

As a dentist your most important asset is your ability to earn a prosperous living. Often dentists are unwittingly putting this asset at risk by overlooking or under-planning for the ramifications of a disabling illness or injury.

Life Insurance

We provide invaluable assistance to our dentist clients with their business and personal life insurance needs. Between term, whole life, and universal life insurance there are a myriad of choices in the life insurance market.

Business Overhead

Office Overhead Expense Disability provides a monthly benefit to reimburse you for the costs of maintaining your dental office during a period of your disability. Many lenders, especially if using an SBA loan, will require this type of insurance.

New Dentists

Insurance for New Dentists

The Professional Protector Plan for Dentists insurance program is designed to accommodate the needs of new dentists. We offer comprehensive coverage with competitive insurance rates to new dentists starting with our $50 policy and discounts for the next three years following. Our policy includes worldwide coverage.


Insurance for Dental Students

The Professional Protector Plan for Dental Students offers an extensive program designed to meet the needs of students while enrolled in dental school. Protect yourself financially when you perform clinical services and take your board exams. The annual liability insurance premium for our student policy is $25 and will provide liability coverage up to $1million per claim and $3million for all claims during the policy period. The dental student professional liability insurance coverage protects you during your dental training and dental board exams, while our equipment insurance coverage protects your dental instruments, textbooks and equipment.Our policy includes worldwide coverage.


Insurance for Dental Hygienists and Assistants

By purchasing your own personal insurance coverage, you can take ownership in your own liability protection. This policy follows you through any employment change and eliminates coverage gaps. Limits available up to $2,000,000 per-claim/$4,000,000 aggregate.

Risk Management

Comprehensive Dental Risk Management Program

The primary goal of a dentist’s risk management efforts should be to reduce risk of patient injury or dissatisfaction, thus diminishing the likelihood that a malpractice claim is filed. We help facilitate a preventive risk management approach for dentists and their staffs. Risk management information is available to insureds through a variety of ways, including live continuing dental education courses, risk management newsletters, sample letters and forms for dentists and an online continuing education course.

Cyber Security

Cyber Security / Data Breach Insurance

Storing sensitive information on your network or connecting to the Internet makes your network a resource that can be easily exploited by criminals. Cyber crime is rapidly coming to the forefront of crimes committed. A cyber criminal can be as close as next door or half way around the world to commit a crime against you or your business. You can be held liable for sensitive information that was retrieved from your data base. Terry Arp & Associates is dedicated to bringing our healthcare clients the latest insurance products to protect their practice.

For oral and maxillofacial surgeons, we are proud to be the exclusive agent for OMSNIC in Idaho and Utah. OMSNIC only insures oral and maxillofacial surgeons and insures over 80% of eligible oral and maxillofacial surgeons nationwide. OMSNIC is endorsed exclusively by AAOMS and is A (Excellent) rated by A.M. Best Company. For more information please click here: