Offering Dentists the Best Protection
At Risk Strategies we value the relationships that we have with our clients and pride ourselves on offering the best protection for your Professional dental practice. Risk Strategies Company is a leading insurance brokerage and risk management consultant. We specialize in commercial insurance, professional liability & employee benefits. We add value to the insurance buying process by providing expert advice and immediate service.
The Professional Protector Plan® for Dentists
The Professional Protector Plan for dentists (PPP) is one of the oldest and largest professional liability and practice protection programs designed specifically for dentists. Since 1969, the PPP has been serving dentists nationwide providing superior claims service, risk management programs, and value added benefits, which are exclusive to our insureds.
Benefits of the Dental Professional Protector Plan.
An insurance product is only as good as the service and support before, during and after a claim. The PPP has experienced and dedicated agents nationwide committed to serving our members.
The PPP Complete Package Coverage.
The PPP provides professional liability, general liability, property and employment practices liability all with one insurance carrier.
Superior Risk Management Programs
Sound risk management and loss control procedure scan be the most effective means of preventing claims and improving claims defensibility. The PPP offers a live AGD PACE accepted seminar, a home study course, quarterly newsletters and risk management articles, as well as a Risk Management Hotline.
Affordable Pricing and Superior Discounts
The PPP offers several premium discounts, which include:
Scheduled Credits
Package Policy Discount
New Dentist Discounts
Risk Management Credits
Part-Time Discount
Temporary Disability / Leave of Absence Credit
Specialized Claims and Legal Services
Inevitably, one in ten dentists will experience a professional liability claim within their career. An even greater amount will experience an incident that could lead to a potential claim. The PPP has a dedicated team of claims professionals experienced in managing professional liability claims - the law firms are chosen for their expertise in medical and dental professional liability defense - a winning combination of claims and legal expertise for our insureds.
Dental PPP Coverage Highlights
Claims-made and Occurrence forms available
Several coverage options available:
1. Stand-Alone Professional Liability Coverage
2. Professional Liability and General Liability
3. Complete package policy, which includes Professional Liability, General Liability
and Property Coverage, all with one carrier.
4. General Liability and Property Coverage
5. Stand-Alone Property Coverage
Consent to Settle Clause
- We will not settle a claim without the insured's consent.
Vicarious Liability Coverage
- A must for any dentist in that they can be held liable for actions of employees, independent contractors, employed dentists and even specialists to whom they refer patients. Vicarious liability coverage is specifically included in the PPP policy language for all these exposures.
Disciplinary and Licensure Coverage
- This coverage pays the fees, costs and expenses to defend damage. Defense costs are covered up to your professional liability limits.
HIV Protection
- With the exposure to blood born pathogens, a dental professional faces risks, which were never contemplated in years past. The PPP has responded by extending income protection in case of HIV contraction.
CUSIG - California Worker's Compensation - Credit Union Self-Insured Group
CUSIG provides its members with primary, excess and aggregate workers' compensation insurance, proactive claims management, and extensive risk control services. CUSIG's support team provides support services such as marketing, underwriting, admission and certification processing services to potential new members, ongoing administration, claims shadowing, safety training, and risk control consultation.
All of these products and services are provided to CUSIG members giving them the ability to control their claims and overall Workers' Compensation costs. Through its support team, CUSIG maintains a high standard of services and continues to provide its Members with quality workers' compensation coverage at a savings over the standard insurance market.
Through this website CUSIG provides a working platform where members can obtain information and handle all matters related to their Workers Compensation program.
CUSIG's Mission Statement: “To provide a cost effective Workers' Compensation solution to California's Credit Unions.”

