Practice insurance

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|

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 Life Insurance May Be Required for Orthodontists to Secure a Business Loan

Like the majority of car dealers require drivers to have auto insurance before purchasing and driving a new vehicle off the lot, most lenders require business owners to have life insurance before borrowing a high-value loan to open a practice. Having a life insurance policy in place shows the lender that, should you pass away unexpectedly, the amount of the loan could be paid back. Read on to learn more [...]

By Lockton Affinity|2025-07-09T19:21:27+00:00July 10, 2023|AAO insurance information, Life insurance, Practice insurance|

The Various Career Paths of Orthodontists

The field of orthodontics has several potential pathways an orthodontist’s career might take. You may work for a practice, own your own practice, join a group practice, join a DSO or OSO or find that you’ve worked in a combination of these paths by the end of your career. As an example of how one orthodontist’s career can change throughout the years, we talked to AAO-member orthodontist and Board of [...]

By Lockton Affinity|2023-03-20T16:32:32+00:00March 20, 2023|Disability insurance, Life insurance, Practice insurance, Residents|

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|

AAO Membership Cyber Solutions

This article is written in collaboration with Black Talon Security, a dedicated cybersecurity company. The American Association of Orthodontists (AAO) selected Lockton Affinity as an “endorsed partner” for the AAO-Insurance Program and Black Talon was selected as the cybersecurity partner to help prevent and respond to cyber attacks. As you know, patient records, including payment information, social security numbers and insurance identification numbers are extremely valuable to cyber criminals. Therefore, [...]

By Lockton Affinity|2022-07-29T13:03:19+00:00July 29, 2022|Practice insurance, Risk management|

The Risks of Employment Litigation Against Your Practice and How to Prevent Claims

This article is the first of a two-part series on Employment Litigation Risks 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 AAO’s human resources services partner. CEDR HR Solutions offers AAO members a free HR consultation, employee handbook evaluation, access to their HR [...]

By Lockton Affinity|2022-05-23T21:15:05+00:00May 23, 2022|AAO insurance claims, Practice insurance, Risk management|

Preventing Employment Practices Claims—Practice Owner Protection

Employment practices refers to the part of your business that deals with hiring, firing and everyday workplace interactions. Employment practices liability claims alleging workplace discrimination or sexual harassment are increasingly common. To protect your business, it’s important to understand the different types of employment practices claims. Here is a deeper dive into 4 common employment practices liability claims and how to protect against them. Types of Employment Practices Claims: Hostile [...]

By Lockton Affinity|2022-01-20T16:33:39+00:00January 20, 2022|AAO insurance claims, Practice insurance, Risk management|

5 Ways to Help Prevent Cyber Attacks at 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. To help prevent cyber attacks at orthodontic practices, try these 5 strategies: 5 Ways to Help Prevent Cyber Attacks at Orthodontic Practices — #1: Utilize multi-factor authentication To provide you with additional layers [...]

By Lockton Affinity|2025-07-09T19:24:29+00:00October 14, 2021|Practice insurance, Risk management|

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