Insurance to help protect your
income, practice and future


Customized insurance solutions for AAO members

Whether you own your own practice, work for a DSO or OSO, or are an orthodontic resident, you can benefit from exclusive insurance products designed specially to help protect you through all stages of your life as an orthodontist.

The American Association of Orthodontists has partnered with Lockton Affinity as the administrator of the AAO-Endorsed Insurance program. This program leverages group purchasing power, so you receive comprehensive coverage designed specifically for orthodontists at a member only rate. This way, you can enjoy the life you’ve worked hard to build, rather than paying high insurance premiums.

Products to help protect your livelihood

As you know, to become an orthodontist, education and training is extensive and costly. Building a thriving practice is a credit to your dedication to patient care and hard work. Consider protecting your success with life and disability insurance policies designed specifically for orthodontists.

AAO group insurance policies:

image of two orthodontists and patient

Disability insurance

Helps protect your income as an orthodontist should you become disabled and unable to work as an orthodontist.*

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Life insurance

Helps provide financial stability for your loved ones in your absence.*

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Critical Illness insurance

Helps provide support and cover associated healthcare costs if you experience an unexpected critical illness.*

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Malpractice insurance

AAOIC Malpractice Insurance, brokered by Pearl, covers certain costs resulting from claims and litigation brought against you for the services you provide as an orthodontist. For more information from AAOIC and Pearl, click learn more below.


image of female orthodontist with a blue mask and a young girl with braces

Products to help protect your business

Protecting your employees, patients, building, equipment and practice’s financial well-being is important. Whether you are just starting out or have been a business owner for years, the AAO-Endorsed Insurance Program has the policies to protect your practice:

Group Business/Professional Overhead Expense
Helps cover business expenses such as rent, utilities, employees’ salaries and more in the event a covered disability keeps you from working.*
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Business Owner’s Policy
Includes both property and general liability to protect your building and equipment, as well as coverage for third party claims of personal injury and property damage.
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Employment Practices Liability
Covers costs associated with employees’ claims of discrimination, sexual harassment, retaliation and wrongful termination.
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Cyber Liability
Provides coverage against the high costs of recovering from theft or breach of client data.
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Workers’ Compensation
Protects your organization from the lost wages and medical costs you may have to pay to an employee who was injured on the job.

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About Lockton Affinity

Lockton Affinity has been providing best-in-class insurance for health professionals like you for more than 30 years.

Our dedicated team understands the risks you face whether you own your own practice, are a member of a DSO or OSO, or are an orthodontic resident. When you partner with Lockton Affinity, you can expect more than insurance.


Blue Dash

With your AAO-Endorsed insurance comes a team of highly trained insurance professionals who understand the risks and exposures you face as an orthodontist. You will have a dedicated account manager who will support you and become familiar with your practice and insurance needs.


Blue Dash

From fast claim settlement to online applications for new coverages, we strive to make every interaction as efficient as possible, so you can focus on your patients and your practice.


Blue Dash

Our insurance solutions are designed to fully protect your earnings, business, property and more. By working together, Lockton Affinity and the AAO are focused on enhancing the insurance program to ensure it continues to meet the ever-changing needs of members like you.

Contact Us

If you have any questions about obtaining or servicing your insurance, please complete this form or call us at
(844) 893-9888.

Phones are answered Monday through Friday, 7 AM to 5:30 PM (CST).