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Student Professional Liability Insurance

It is important to consider insurance protection against potential liability that may arise when you perform clinical services during dental training and prepare to take your clinical board exams.  Most licensing jurisdictions will require evidence of professional liability (dental malpractice) insurance coverage. Several of the testing agencies now provide insurance coverage for candidates.

Council of Interstate Testing Agencies (CITA)
Per, candidates will no longer be required to obtain professional liability insurance before being allowed to take a CITA dental or dental hygiene examination.  CITA has purchased a blanket Professional Liability Insurance policy that covers all dental and dental hygiene candidates, and their assistants, for all CITA examinations.  The cost of that coverage is included in CITA’s examination fee. 

Central Regional Dental Testing Service (CRDTS)
Per, liability insurance is furnished for all candidates participating in the Central Regional Dental Testing Service examinations by Medical Protective in Fort Wayne, Indiana.  If candidates prefer not to have their name released to Medical Protective, they must notify CRDTS and furnish a copy of their own coverage information.

North East Regional Board of Dental Examiners
Per NERB candidate manual, insurance in the amount of $1,000,000 / $3,000,000 is required for all candidates. CNA, through the Professional Protector Plan, administered by Brown and Brown, Inc., Tampa, Florida will provide complimentary professional liability coverage for all candidates and their dental assistants taking the patient based portions of NERB Clinical Examinations in Dentistry during calendar year 2011.

Western Regional Examining Board (WREB)
Per, CNA Insurance Company, through the Professional Protector Plan in cooperation with WREB, will extend WREB professional liability coverage with the limit amounts of $1,000,000/$3,000,000 for the patient-based portion of the calendar year 2011 dental exam at no charge to you. WREB will forward the names and addresses of all candidates to CNA.

Southern Regional Testing Agency (SRTA)
According to SRTA, malpractice Insurance is provided for all candidates through SRTA's professional liability insurance company at no additional charge. CNA Insurance Company extends SRTA's professional liability coverage to candidates with the limit of $1,000,000/$3,000,000 for the patient-based portion of the calendar year 2011 SRTA clinical examination in Dentistry. Candidates must complete a form to request coverage. Contact SRTA or visit for more information. 

California Examination
Per past candidate handbook, California requires insurance for all candidates; $100,000 for single occurrence and $300,000 for multiple occurrences.  Contact the Dental Board of California for more information.

Delaware Examination
Delaware requires that candidates have proof of one million dollars worth of insurance in order to be admitted to the examination. 

Florida Examination
The state of Florida requires insurance coverage in the amounts of  $100,000—$300,000 for licensees.   The law states the student must carry sufficient insurance to cover any incident of harm to a patient.

Nevada Examination
The state of Nevada requires insurance in the amount of $1,000,000 / $3,000,000.

OSCE - Canadian Examination
Since no patients are used, insurance may not be applicable. Information was not available on insurance requirements for the OSCE examination at the time of publication.

Insurance Options

ADA resources
To assist dental students in purchasing malpractice insurance, the ADA Council on Members Insurance and Retirement Programs provides the Directory of Professional Liability Insurers exclusively for ASDA and ADA members. For additional assistance, contact Council staff at 800.621.8099 ext. 2885. 

Dental school insurance
Candidates who take the exam in the same state as their dental school may be covered by the liability insurance offered through your school. Talk with your school insurance provider to find out if coverage is included for your clinical examination.

Disclaimer: We are providing information here that may not be accurate or complete when you view it; you should not rely on this summary but check with the state insurance authority to get complete and up-to-date information.