Insurance tips

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|

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|

FAQs about Insurance for DSO and OSO-Employed Orthodontists

Whether just entering the workforce or many years into their career, many orthodontists are facing the decision to affiliate with an orthodontic service organization (OSO) or dental support organization (DSO). If you are faced with this decision, it's important to understand how this change impacts how you insure yourself, your career and your future. Your new employer will likely provide certain insurance policies and other benefits, but there are still [...]

By Lockton Affinity|2023-01-23T15:35:39+00:00January 23, 2023|Insurance tips|

How Your Insurance Needs May Change throughout Your Career

As you progress in your career, your insurance needs may change. From residency to retirement, the AAO-Endorsed Insurance Program, administered by Lockton Affinity, provides access to a variety of insurance policies that can help safeguard you, your family and your practice throughout it all. You choose to go into orthodontics According to the AAO, after at least 10 years of higher education, the average first-year orthodontist carries over $560,000 in student loan [...]

By Lockton Affinity|2022-12-08T18:10:26+00:00December 8, 2022|AAO insurance information, Insurance tips|

How to Choose Insurance for Your Practice

With so many insurance options in the marketplace, it can be overwhelming to pick an insurance company to work with and insurance policies to protect your business. The American Association of Orthodontists has partnered with Lockton Affinity as the administrator of the AAO-Endorsed Insurance program to meet the needs of orthodontists like you. It can be beneficial to think about how to select the insurance partner and policies that best [...]

By Lockton Affinity|2022-11-04T20:57:33+00:00November 4, 2022|Insurance tips, Practice insurance|

Understanding Workers’ Compensation for Your Practice

You make every effort to provide a safe environment for your staff and patients, but accidents can still happen. To protect your practice from the costs associated with employee injuries, you need Workers’ Compensation coverage from the AAO-Endorsed Insurance Program. Workers’ compensation is legally required for doing business in most states. Without the proper workers’ compensation insurance, your practice could face legal consequences for noncompliance. Lack of coverage also places [...]

By Lockton Affinity|2022-10-13T20:22:47+00:00October 13, 2022|Insurance tips, Practice insurance|

Complimentary Risk Evaluation through the AAO-Endorsed Insurance Program

AAO members have access to insurance products from the AAO-Endorsed Insurance Program, administered by Lockton Affinity. As part of the program, member orthodontists have access to Lockton Affinity’s highly trained, personal insurance representatives who understand the risks and exposures you face as an orthodontist. As you get started with your insurance from the AAO and Lockton Affinity, you can schedule two complimentary meetings with Lockton Affinity’s representatives—a 15-minute introductory meeting [...]

By Lockton Affinity|2022-09-14T16:10:22+00:00September 14, 2022|AAO insurance information, Insurance tips|

Employment Law Compliance Solutions Available Through Your AAO Membership

This article is the last of a two-part series guest written by CEDR HR Solutions, a human resources solutions company. Like The American Association of Orthodontists (AAO) selected Lockton Affinity as an “endorsed partner” for the AAO-Insurance Program, CEDR HR Solutions was selected as a human resources services partner. CEDR HR Solutions offers AAO members a free HR consultation, employee handbook evaluation, access to their HR Vault® software, and an [...]

By Lockton Affinity|2022-05-23T21:25:25+00:00May 23, 2022|Insurance tips, Risk management|

Common Cyber Attacks Threatening Orthodontic Practices

Cyber Attacks Threatening Orthodontic Practices Over the past year, cyber attacks against practices in healthcare-related fields increased by 55%, impacting more than 26 million Americans1. This increase paired with the average cost per breached record of $499 can be worrisome for orthdontists2. Because your practice collects personally identifiable information from patients, including minors, you may have one of the highest risk databases in healthcare. This information can include social security [...]

By Lockton Affinity|2025-07-09T19:39:22+00:00June 10, 2021|Insurance tips, Practice insurance, Risk management|

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