Blog – AAO

FAQs about Cyber Liability insurance for AAO member practice owners

The AAO-Endorsed Insurance program, administered by Lockton Affinity, has partnered with Beazley, one of the leading experts in cyber insurance, to offer a Cyber Liability insurance policy that better protects your practice. To help AAO members understand this policy and the common cyber risks orthodontists face, Lockton Affinity has compiled answers to frequently asked questions on these topics. Answers to Your FAQs about Cyber Liability Insurance Cyber Liability insurance is [...]

By Lockton Affinity|2025-06-04T15:17:42+00:00June 4, 2025|AAO insurance information, Cyber liability insurance, Insurance tips, Practice insurance|

Employment Practices Liability Insurance for AAO Members

Wrongful termination, discrimination, breach of contract, sexual harassment — as an employer, your orthodontic practice faces the risk being sued for these employment-related claims and more. To fully protect your practice from this risk, your practice may require Employment Practices Liability insurance (EPLI). Read on to better understand this coverage and the difference a policy from the AAO-Endorsed Insurance Program can make for your practice. Understanding Employment Practices Liability [...]

By Lockton Affinity|2025-06-04T15:15:08+00:00June 4, 2025|AAO insurance information, Employment practices liability insurance, Insurance tips|

Understanding Cyber Threats Orthodontists Face

Cybercrime terminology is complex and constantly evolving. Knowing the meanings behind key terms can make cybercrime easier to understand and prevent. General Cyber Terms to Know Before understanding the specific types of cybercrime, it can be helpful to understand what kind of cyber risks your practice may face. Cyber incident A cyber incident is a broad category of cyber events that has two important characteristics: it can negatively impact [...]

By Lockton Affinity|2025-02-03T18:36:02+00:00February 3, 2025|AAO insurance information, Cyber Security|

Understanding Riders and Endorsements — Additional Options for Your Life and Disability Insurance

As you shop the market for disability or life insurance, you may notice policies that offer riders and endorsements. Riders and endorsements are two ways to reference the extra coverages that can be added to an insurance policy to enhance the protection it offers. Because riders and endorsements provide additional coverage on top of the basic policy, there are typically additional costs associated with them. Offering riders or endorsements are [...]

By Lockton Affinity|2025-07-09T19:10:54+00:00December 30, 2024|Disability insurance, Life insurance|

Unique Disability Insurance Benefits for AAO Members

There are many disability insurance policies on the market. How do you choose coverage that’s best for you and your family? Disability insurance can provide a steady stream of monthly income if you become totally disabled. Total disability means that, due to a covered illness or injury, you are unable to perform the substantial duties of your own occupation as a specialist in orthodontics for which you have been specifically [...]

By Lockton Affinity|2025-07-09T19:12:11+00:00October 20, 2024|Disability insurance|

5 Common Orthodontist Insurance Misconceptions

“This policy isn’t really necessary for my practice.” “They don’t understand my practice’s needs.” There are plenty of misconceptions about insurance but with the right insurer, your misconceptions and concerns can be put to rest. Read on to learn about 5 common orthodontist insurance misconceptions and how working with Lockton Affinity, the administrator of the AAO-Endorsed Insurance Program, may benefit your practice and livelihood. 5 Common Orthodontist Insurance Misconceptions [...]

By Lockton Affinity|2025-07-09T19:15:04+00:00August 7, 2024|Uncategorized|

AAO-Endorsed Insurance Program’s 10-Year and 20-Year Term Life Insurance

There are many financial tools people use to help protect themselves, their businesses and their loved ones, such as saving an emergency fund, managing debt, planning for retirement or investing. Many also utilize life insurance. The AAO-Endorsed Insurance Program's Life insurance is available to help protect AAO members like you. Read on to learn about the AAO-Endorsed Insurance Program’s 10-Year and 20-Year Group Level Term Life insurance options. Selecting [...]

By Lockton Affinity|2025-07-09T19:15:46+00:00June 10, 2024|AAO insurance information, Life insurance|

Now Available! QuickDecision for Group Long Term Disability Income insurance

In September 2023, the AAO-Endorsed Insurance Program launched QuickDecision, a faster application process for Group Term Life insurance coverage, that does not require a medical exam for most applicants. As part of the AAO-Endorsed Insurance Program’s dedication to improving the program to meet the needs of member orthodontists, this quick application process is now available for Group Long Term Disability Income insurance, too. Read on to learn more about this [...]

By Lockton Affinity|2024-03-21T17:21:14+00:00March 21, 2024|Disability insurance, Life insurance|

How to File a Claim as a Practice Owner

Owning your own practice comes with risk and that’s why the AAO-Endorsed Insurance Program, administered by Lockton Affinity, offers coverage to help protect your practice, including: Business Owner’s Policy Employment Practices Liability insurance Cyber Liability insurance and Workers’ Compensation insurance Should an incident occur at your practice that may turn into a claim, it is important to report them to your insurance partner. These incidents may include: A patient trips [...]

By Lockton Affinity|2024-02-09T20:15:22+00:00February 9, 2024|AAO insurance claims, Practice insurance|

Why Insurance Rates Vary

Insurance may seem cut and dry, so why the variance in rates from different insurance partners? There are many factors that contribute to insurance rates, including limit options, claim frequency and more. Factors that Cause Insurance Rates to Vary Insurance policies and their rates vary from company to company. While you may be tempted to go with the least expensive option, there are many factors that impact insurance rates. Look [...]

By Lockton Affinity|2025-07-09T19:36:24+00:00January 10, 2024|AAO insurance information, Insurance tips|

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