Generated by All in One SEO Pro v4.9.10, this is an llms-full.txt file, used by LLMs to index the site. # Dentists Choice Dentists Choice is the leading dental malpractice insurance program connecting dentists to customizable insurance products, proprietary risk management and a select community of industry professionals. ## Pages ### [Your practice, Your Choice, Our Commitment](https://dentistschoice.insure/) **Published:** December 10, 2024 **Author:** DentistsChoice Admin **Content:** ## About **Us** Dentists Choice is the leading dental malpractice insurance program connecting dentists to customizable insurance products, proprietary risk management and a select community of industry professionals. The program is tailored to the needs of today’s dental practices, ensuring our dentist clients have the support needed to protect their professional reputations and maintain a vibrant practice of dentistry, wherever they are in their dental careers. With our AM Best “A” rated carrier, and a team of experts with over a decades of dental experience, you can trust that we have the capacity to cover your exposures and provide the appropriate tools to help you mitigate risks. Dentists Choice was born out of the desire to simplify the insurance process for the dental community, offer comprehensive coverage options and support our policyholders with technology enhanced risk management capabilities. We understand that your time as a dental practitioner is valuable, and above all else, your professional reputation deserves the utmost care. That’s why our diverse community, equipped with our products, resources and straightforward processes, are your Dentists Choice. [Products](#products) --- ### [Contact](https://dentistschoice.insure/contact/) **Published:** December 9, 2024 **Author:** DentistsChoice Admin **Content:** We’re here to help protect and grow your dental practice. Whether you have a question, or want to learn more about our services, feel free to reach out. Our team is ready to provide the guidance you need today! --- ### [Our Products](https://dentistschoice.insure/products/) **Published:** December 9, 2024 **Author:** DentistsChoice Admin **Content:** Dentists Choice products are available in all 50 states, Washington D.C., and Puerto Rico. We understand that not all dentists are made equal which is why we offer an array of tailored coverage options to meet the unique needs of dental professionals, providing confidence and protection for every stage of your career. You have the ability with Dentists Choice to build the policy that fits your unique needs providing comprehensive coverage, competitive rates and robust risk management and customer service. Our products are constructed with Dentists Choice in mind, ensuring that every coverage solution is reliable and makes sense for you based on your practice circumstances. We offer a true PACKAGE policy that simplifies your practice’s insurance, makes renewal easier and is customized to meet your specific needs. All coverages can be added onto a single policy with the aim of providing a simplified way to manage your practice insurance. Furthermore, multi-coverage discounts are applied when you choose dental professional liability with general liability and commercial property coverage, and we’ll give you a discounted rate for all. --- ### [Our Community](https://dentistschoice.insure/community/) **Published:** December 9, 2024 **Author:** DentistsChoice Admin **Content:** **Aspen Insurance** Dentists Choice is backed by and underwritten through Aspen American Insurance Company, an AM Best A (Excellent) rated insurance company and part of Aspen Group, which produced $3.96BN of gross written premium in 2023. Aspen’s team of experienced dental underwriters, claim adjustors and risk management personnel are dedicated to a best-in-class customer experience, striving for efficiency, transparency and competency in everything they do. **Administrators** Dentists Choice is distributed through an exclusive network of independent insurance agents (administrators) across the country. Our administrators have deep knowledge of the insurance needs specific to dentists and dental practices. **Counterpart** Dentists Choice is powered through a unique collaboration with a leading professional liability Insurtech known as Counterpart. Dentists Choice benefits from Counterpart’s hi-tech insurance capabilities that make possible the ability to streamline policy decisions and inform risk management content. **National Advisory Council** Dentists Choice benefits from the insights and recommendations of our National Advisory Council which is a panel of dentists who advise on the latest developments and trends in dental care. Furthermore, in the rare event a policyholder is non-renewed, our panel can, at the request of the policyholder, evaluate the nonrenewal decision as part of an appeal process. **Organized Dentistry** Dentists Choice is closely connected to organized dentistry and is endorsed by state dental associations across the nation and advocate for the needs of the larger dental community. Ultimately, Dentists Choice is a community of individuals committed to supporting your dental practice. Our community consists of insurance, risk management and dental professionals across these organizations who network, share best practices and stay informed on the latest issues effecting the dental community. Our collective expertise helps you navigate the complexities of dental practice operations with confidence. --- ### [Meet the Team](https://dentistschoice.insure/community/meet-the-team/) **Published:** January 31, 2025 **Author:** DentistsChoice Admin --- ### [Risk Management](https://dentistschoice.insure/risk-management/) **Published:** December 9, 2024 **Author:** DentistsChoice Admin **Excerpt:** As a dentist, your patients’ well being and practice reputation are your top priorities. However, unforeseen risks can jeopardize both. Dentists Choice is specifically designed to protect dental professionals with strategies, expert advice and customized solutions to ensure you maintain a thriving practice. Learn how our risk management services can help you safeguard your practice by exploring our offerings below. **Content:** ### **Dentists Choice Risk Solutions** Our number one priority is to be focused on you and the specific risks and challenges you may face and to offer specialized support. **The best kind of claim is the one you don’t have.** Dentists Choice offers expansive dental risk management solutions to empower dental professionals to safeguard their practice, minimize risk and focus confidently on patient care. Managing risk is essential for maintaining your reputation and protecting your patients. Whether you’re a newly graduated dentist or an experienced provider, we offer comprehensive solutions tailored specifically for where you are in your journey. Our resources, expertise and insurance solutions allow you to focus on your patients. Our commitment is to offer a range of services to support your dental practice in mitigating risks, ensuring patient and provider safety and creating efficient operations. We’re more than just insurance – Dentists Choice is your trusted advocate in risk management, and we are committed to helping you focus on what you do best: delivering exceptional care. **How we are doing this:** By offering comprehensive risk assessments to identify potential vulnerabilities within your practice. This could include but is not limited to: patient interactions, staff management and procedures. #### **Dental Professional Liability** As an insured with Dentists Choice, you gain access to risk management and patient safety advice informed by our near decades of dental professional liability claims experience. We are continuously studying claims to extract insights that in turn inform our proprietary risk management content. We offer risk management seminars through in-person and live webinars as well as in an online risk management course that can be completed at your leisure. Insureds have access to two risk management hotlines: one for clinical based queries that is fielded by a licensed dentist; non-clinical queries are routed to an attorney experienced in dental practice related matters. #### **Employment Practices and HR Support** Dentists Choice also offers HR Compliance and Legal Support Services for practice owners. Insureds who purchase Employment Practices Liability coverage are able to receive the following: - Complimentary access to a Certified HR Consultant for ongoing HR and compliance support - ONE hour complimentary per policy period with a Licensed Employment Attorney ****Visit [www.zerohr.com](https://www.zerohr.com/dentistschoice) for more information, or [request to speak to an advisor here](https://kbphn1fav1c.typeform.com/to/Wp53xBbQ).**** **[Download PDF](https://dentistschoice.insure/wp-content/uploads/2026/06/zeroHR-Overview-Dentists-Choice.pdf)** #### ****Sensor Solutions by HSB**** A powerful leak and freeze monitoring system As a Dentists Choice property holder, you are eligible for a free sensor system to detect the presence of water and monitor indoor temperatures. **Benefits of a Sensor Solution:** - ![](https://dentistschoice.insure/wp-content/uploads/2025/05/customer_service_icon.png) Catch issues early, so there is less (or no) downtime for repairs - ![](https://dentistschoice.insure/wp-content/uploads/2025/05/wrench_and_bolt_icon.png) Simple to install – simply place them on the floor or attach to a wall or pipe - ![](https://dentistschoice.insure/wp-content/uploads/2025/05/shield_icon.png) 24/7 support from U.S. – based Monitoring and Support Center - ![](https://dentistschoice.insure/wp-content/uploads/2025/05/data_shield_icon.png) Special encryption means your data is safe and secure - ![](https://dentistschoice.insure/wp-content/uploads/2025/05/dentist_office_icon.png) Protect your building from harm **Learn about how Sensor Solutions by HSB can work in your dental practice, [contact us today](https://dentistschoice.insure/contact/).** #### **Commercial Property** Did you know that water losses are the leading cause of property loss for dental practices across the country? Dental practices are uniquely exposed to water due to operatory and other practice needs. Dentists Choice provides complimentary leak and freeze detection devices to all insureds with commercial property coverage. These devices are cellular (do not require Wi-Fi connection), are monitored 24/7 and are easy to deploy. When properly placed and activated, these devices prevent and mitigate serious water losses that would otherwise substantially interrupt your ability to practice. --- ### [Risk Management Contact](https://dentistschoice.insure/risk-management-contact/) **Published:** February 17, 2025 **Author:** DentistsChoice Admin --- ### [Risk Management Seminars](https://dentistschoice.insure/risk-management-seminars/) **Published:** April 9, 2025 **Author:** DentistsChoice Admin **Excerpt:** At Dentists Choice we believe that empowering dental professionals with the right knowledge is key to minimizing risk and enhancing patient care. That is why we offer both in-person and online seminars. **Content:** Our online risk management webinar is a convenient and effective way to stay informed and proactive in protecting your dental practice. Accessible anytime, anywhere, this self-paced course allows you to learn on your schedule while gaining practical tools to manage risk, improve patient safety and strengthen your understanding of current risk trends. ****Benefits of taking this course**:** - Insurance Premium Discounts – As a Dentists Choice insured, you will obtain up to 10% credit on your professional liability policy, for 3 consecutive years. - Fulfill continuing education requirements – 4.5 CE credits, upon completion - Expert Led Sessions – Gain insights from seasoned risk analysts, legal experts and claims professionals who specialize in dental liability ******Special Guests Including, but not limited to****:** - Oral Cancer Survivor Eva Grayzel - Aspen’s VP of Claims discussing The Anatomy of a Lawsuit - Dr. Dana Jackson, Oral and Maxillofacial Surgeon and Chairman at Howard University \*Please be sure to have your Dentists Choice policy number to complete our online course. [Risk Management seminar instructions](https://dentistschoice.insure/wp-content/themes/dentistsChoice/assets/docs/01-DentistChoiceRiskManagmentCourseInfo.pdf) [Click here to start the course](https://dentistschoice.coggno.com/lms_account/login) ******2026 Upcoming Live Seminars – Join us in a city near you!****** - Friday, March 6th in Rockville, Maryland - Student Risk Management Seminar, April 24th in Des Moines, IA - Thursday, April 30th in Rapid City, Michigan - Thursday, April 30th in Des Moines, IA - Saturday, May 30th in New Hampshire (City TBD) - Thursday, June 11th in Bar Harbor, Maine - Saturday, September 19th in Rhode Island (City TBD) - Friday, September 25th in Salt Lake City, UT --- ### [Sample Letters and Informed Consent Form](https://dentistschoice.insure/risk-management-letters/) **Published:** May 30, 2025 **Author:** DentistsChoice Admin **Content:** [AI Informed Consent](https://dentistschoice.insure/wp-content/uploads/2026/06/AI_Informed_Consent.pdf) [Ceramic Onlay Restorations](https://dentistschoice.insure/wp-content/uploads/2025/07/Ceramic_Onlay_Restorations.pdf) [Consent for Endodontic Treatment](https://dentistschoice.insure/wp-content/uploads/2025/07/Consent_for_Endodontic_Treatment.pdf) [Cybersecurity Incident Notification Letter](https://dentistschoice.insure/wp-content/uploads/2026/06/Cybersecurity_Incident_Notification_Letter.pdf) [Dental Crown Bridges](https://dentistschoice.insure/wp-content/uploads/2025/07/Dental_Crown_Bridges.pdf) [Dental Implants](https://dentistschoice.insure/wp-content/uploads/2025/07/Dental_Implants.pdf) [General Informed Consent](https://dentistschoice.insure/wp-content/uploads/2025/07/General_Informed_Consent.pdf) [Informed Consent for AI Technology](https://dentistschoice.insure/wp-content/uploads/2026/06/Informed_Consent_for_AI_Technology.pdf) [Informed Consent for Bisphosphontate MRONJ](https://dentistschoice.insure/wp-content/uploads/2026/06/Informed_Consent_for_Bisphosphontate_MRONJ.pdf) [Informed Consent for CBCT](https://dentistschoice.insure/wp-content/uploads/2026/06/Informed_Consent_for_CBCT.pdf) [Informed Consent for PRP vs PRF Therapy](https://dentistschoice.insure/wp-content/uploads/2026/06/Informed_Consent_for_PRP_vs_PRF_Therapy.pdf) [Informed Consent for Silver Diamine Fluoride](https://dentistschoice.insure/wp-content/uploads/2026/06/Informed_Consent_for_Silver_Diamine_Fluoride.pdf) [Oral Surgery Extraction](https://dentistschoice.insure/wp-content/uploads/2025/07/Oral_Surgery__Extraction_.pdf) [Publication of Patient Photographs](https://dentistschoice.insure/wp-content/uploads/2025/07/Publication_of_Patient_Photographs.pdf) [Refusal of Treatment Referral](https://dentistschoice.insure/wp-content/uploads/2025/07/Refusal_of_Treatment_Referral.pdf) [Retirement and Practice Transition Letter](https://dentistschoice.insure/wp-content/uploads/2026/03/Retirement-and-Practice-Transition-Letter.pdf) [Sample Notice of Privacy Practices](https://dentistschoice.insure/wp-content/uploads/2026/06/Sample_Notice_of_Privacy_Practices.pdf) [Sample Termination Letter After Discussion with Non-Compliant Patient](https://dentistschoice.insure/wp-content/uploads/2025/08/Sample_Termination_Letter_After_Discussion_with_Non_Compliant_Patient-2.pdf) [Sample Termination Letter After Discussion with Patient](https://dentistschoice.insure/wp-content/uploads/2025/08/Sample-Termination-Letter_After-Discussion-with-Patient.pdf) [Sample Termination Letter – Patient not Responding](https://dentistschoice.insure/wp-content/uploads/2025/08/Sample-Termination-Letter-Patient-not-Responding.pdf) [Teeth Whitening Informed Consent](https://dentistschoice.insure/wp-content/uploads/2026/06/Teeth_Whitening_Informed_Consent.pdf) --- ### [Risk Management Articles](https://dentistschoice.insure/articles/) **Published:** December 13, 2024 **Author:** DentistsChoice Admin **Content:** **Learn More About Industry Trends and Risk Management Practices** --- ### [National Advisory Committee](https://dentistschoice.insure/community/national-advisory-committee/) **Published:** September 15, 2025 **Author:** DentistsChoice Admin **Content:** The National Advisory Committee (NAC) serves as a key clinical resource to our program, by offering expert clinical insights and guidance. Comprised by 4 respected dental professionals, from a variety of specialties, the NAC also provides clinical reviews to ensure fair and thorough evaluations, particularly when dentist appeal nonrenewal decisions. Their primary purpose is to ensure clinical fairness, accuracy, and consistency in our risk management practices by bringing a practitioner’s perspective to the table. This collaborative effort strengthens our program’s commitment to balanced, informed, and clinically sound outcomes. --- ### [Council of State Administrators Members – COSA](https://dentistschoice.insure/community/council-of-state-administrators-members-cosa/) **Published:** March 28, 2025 **Author:** DentistsChoice Admin **Content:** COSA is an independent body of State Administrators whose job is to represent and protect the interests of Dentists Choice policyholders, prospective policyholders and State Administrators. COSA collaborates with Aspen and the Dentists Choice team, ensuring coverage remains responsive to insured dentists’ needs, rates remain competitive and aligned with market demands. They provide strategic marketing feedback to enhance our positioning by identifying opportunities for growth, support continuous improvement and ensure we meet the evolving needs of dental professionals. --- ### [Corporate & Regulatory Information](https://dentistschoice.insure/corporate-regulatory-information/) **Published:** March 3, 2025 **Author:** DentistsChoice Admin **Content:** This Dentists Choice website and the products and services identified herein (collectively, the “Site”) are made available to you by Aspen Insurance US Services Inc. (“Aspen”) for informational purposes only. By accessing or using this Site, you agree to be bound by these terms of use (“Terms of Use”). 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Aspen’s Privacy Statement [here](https://www.aspen.co/privacy-data-subject-requests/) sets forth its information collection and sharing practices in relation to the personal information that we collect and use for the administration of insurance policies, reinsurance contracts, provision of services and otherwise in connection with this Site. **Remedies for Misuse** You agree that any unauthorized use of this Site may cause Aspen immediate and irreparable harm for which money damages may not constitute an adequate remedy. You further agree that injunctive relief, in addition to any other remedies available, may be warranted in order to enforce these Terms of Use. You further agree that unauthorized use of this Site may expose you to civil and criminal liability and that we may report violations of these Terms of Use to and cooperate fully with the appropriate law enforcement authorities concerning any violations hereof. **Forward-Looking Statements** This Site may contain forward-looking statements. These forward-looking statements are subject to uncertainties and inherent risks that could cause actual results to differ materially from those contained in any forward-looking statement. Aspen undertakes no duty to update publicly any forward-looking statements contained herein, in light of new information or future developments. **General** Aspen reserves the right to vary these terms and conditions from time to time without notifying you. By continuing to use and access this Site you agree to be bound by any variations made by Aspen. It is your responsibility to check these Terms of Use from time to time to verify such variations. These Terms of Use contains the entire understanding and agreement between Aspen and you in relation to your use of this Site and supersede and replace any representation, statement or other communication (whether written or otherwise) made by you or Aspen which is not contained herein. **Applicable Laws and Jurisdiction** These Terms of Use are governed and interpreted pursuant to the laws of the State of New Jersey notwithstanding any principles of conflicts of law. You agree that any and all causes of action that you may have against Aspen shall be brought in Newark, New Jersey and that you shall not bring any causes of action against Aspen more than one year after any cause of action arises. If any part of these Terms of Use is found to be unlawful, void or unenforceable, that part shall be deemed severable and shall not affect the validity and enforceability of remaining provisions. You shall not assign or otherwise transfer these Terms of Use or any rights or obligations hereunder. The failure of Aspen to exercise or enforce any right or provision set forth herein shall not constitute a waiver of such right or provision. These Terms of Use set forth the entire understanding between you and Aspen with respect to the subject matter hereof and supersede any prior or contemporaneous communications, representations, or agreements, whether oral or written, between you and Aspen with respect to such subject matter. --- ### [Endorsing Associations](https://dentistschoice.insure/community/endorsing-associations/) **Published:** March 31, 2025 **Author:** DentistsChoice Admin **Content:** Trusted by Leading Dental Associations At Dentists Choice, we are proud to be endorsed by top dental associations that recognize our commitment to protecting and supporting dental professionals. We are proud to be the preferred malpractice insurance provider for the following state dental associations. --- ### [New Grad](https://dentistschoice.insure/new-grad/) **Published:** March 6, 2026 **Author:** DentistsChoice Admin **Content:** # Congratulations on becoming a dentist! Protect yourself with a professional liability policy designed just for new grads – quick, affordable, and hassle-free. [Apply Now – Get Covered Today](https://evergreen.dentistschoice.insure/newgrad/1) --- ### [Professionals We Cover](https://dentistschoice.insure/who-we-cover/) **Published:** December 9, 2024 **Author:** DentistsChoice Admin **Content:** Whether you are just starting your journey as a dentist or are a seasoned professional, Dentists Choice is dedicated to offering the protection you deserve, and coverage tailored to fit your unique needs. We cover all dental specialties including oral surgeons, endodontists, orthodontists, general dentists, periodontists, prosthodontists and oral pathologists. Our mission is to provide reliable, flexible and comprehensive coverage to adapt to your practice’s growth and evolving needs. No matter where you are in your professional journey, we are here to ensure you have the coverage and confidence to thrive in your career. Explore below to learn more about our offerings or contact us today for a personalized experience. --- ### [Graduate, Then Activate – Your Malpractice Policy Awaits](https://dentistschoice.insure/graduate/) **Published:** May 14, 2025 **Author:** DentistsChoice Admin **Content:** Thank you for your interest in securing your New Graduate Policy through Dentists Choice. While our payment portal is currently being finalized, we invite you to complete the application to begin the process. Submitting the application ensures you a spot on our waitlist and allows our team to prepare your policy details in advance. Once the payment link is available, your local state administrator will notify you directly so you can complete your enrollment without delay. We appreciate your patience and look forward to supporting your journey into practice. --- ### [test](https://dentistschoice.insure/test/) **Published:** April 21, 2025 **Author:** DentistsChoice Admin --- ### [Find an Agent](https://dentistschoice.insure/find-an-agent/) **Published:** January 31, 2025 **Author:** DentistsChoice Admin **Content:** **TO LOCATE AN AGENT, PLEASE CLICK ON YOUR PRACTICE STATE** --- ### [Get A Quote](https://dentistschoice.insure/get-a-quote/) **Published:** February 17, 2025 **Author:** DentistsChoice Admin **Content:** We’re here to help protect and grow your dental practice. Whether you have a question, or want to learn more about our services, feel free to reach out. Our team is ready to provide the guidance you need today! --- ### [Online CE & Education](https://dentistschoice.insure/online-ce-education/) **Published:** December 13, 2024 **Author:** DentistsChoice Admin **Excerpt:** As a valued member of Dentists Choice you gain access to our exclusive benefits designed to support you. Master Risk Management with our online course, designed to equip you with the tools and knowledge to minimize liability and improve patient care. Or give yourself the best defense of knowledge with our comprehensive library filled with articles and sample forms designed to give you the tools to implement in your practice. Need support, in real-time? We are here to support you with our clinical and non-clinical counseling. Discover our endless risk management program offerings below. **Content:** #### **Online Risk Management Course** This series is broken down into 8 short modules. To obtain the risk management professional liability premium discount and full CE Credits, all 8 modules are to be completed in their entirety. Please review these instructions prior to and during your completion of the course as they contain critical information to assist you in obtaining your certificate. **Helpful Tips:** - Webinars can be completed in any order. - Please note the completion time for each module so you may plan accordingly. You may pause the module at any time if you need to step away. - You will need to provide your PPP policy number. - Upon registering, the webinar will begin immediately. If you are not ready to complete the webinar at the time of registration, you will receive an email containing a link for you to access the webinar at your convenience. --- ### [Efficiencies](https://dentistschoice.insure/efficiencies/) **Published:** December 9, 2024 **Author:** DentistsChoice Admin --- ## The Agents ### [Denice Akers](https://dentistschoice.insure/agent/denice-akers-2/) **Published:** April 8, 2026 **Author:** DentistsChoice Admin **Agency:** Professional Insurors of the Black Hills **States:** South Dakota --- ### [Nancy Wuenne](https://dentistschoice.insure/agent/nancy-wuenne-2/) **Published:** February 12, 2026 **Author:** DentistsChoice Admin **Agency:** R&R Insurance **States:** Minnesota --- ### [Sandi East](https://dentistschoice.insure/agent/sandi-east-2/) **Published:** February 12, 2026 **Author:** DentistsChoice Admin **Agency:** HUB International **States:** Louisiana --- ### [Ken Asheim](https://dentistschoice.insure/agent/denice-akers/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** Professional Insurors **States:** Colorado, Nebraska, North Dakota --- ### [Mark Wright](https://dentistschoice.insure/agent/mark-wright/) **Published:** October 7, 2025 **Author:** DentistsChoice Admin **Agency:** The Liberty Company **States:** California --- ### [Jennifer Russo-Bowey](https://dentistschoice.insure/agent/jennifer-russo-bowey/) **Published:** October 1, 2025 **Author:** DentistsChoice Admin **Agency:** Total Dollar Insurance **States:** New York --- ### [Herb Ford](https://dentistschoice.insure/agent/herb-ford/) **Published:** July 24, 2025 **Author:** DentistsChoice Admin **Agency:** Wallace Specialty/Risk Strategies Dental Practice **States:** Hawaii --- ### [Ann Hettrick](https://dentistschoice.insure/agent/ann-hettrick/) **Published:** June 2, 2025 **Author:** DentistsChoice Admin **Agency:** Wallace Specialty/Risk Strategies Dental Practice **States:** Kansas, New Mexico, Oklahoma, Texas --- ### [Jennifer Goss](https://dentistschoice.insure/agent/jeff-spindler/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** MDA Insurance **States:** Michigan --- ### [Barb Amft](https://dentistschoice.insure/agent/barb-amft/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** ARM of Illinois **States:** Illinois, Missouri --- ### [Brandon Bowman](https://dentistschoice.insure/agent/brandon-bowman/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** Bowman Insurance **States:** Arizona, Indiana, Kentucky, North Carolina, South Carolina, Tennessee --- ### [Bethany Kramarich](https://dentistschoice.insure/agent/bethany-kramarich/) **Published:** June 5, 2025 **Author:** DentistsChoice Admin **Agency:** HUB International Mountain States **States:** Wyoming --- ### [Shari Modene](https://dentistschoice.insure/agent/shari-modene/) **Published:** June 5, 2025 **Author:** DentistsChoice Admin **Agency:** Nevada Insurance **States:** Nevada, Oregon, Washington --- ### [Shelley Fontaine](https://dentistschoice.insure/agent/shelley-fontaine/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** Davis & Towle **States:** Connecticut, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont --- ### [Nick Defusco](https://dentistschoice.insure/agent/nick-defusco/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** GAD Insurance --- ### [Andrew Gerner](https://dentistschoice.insure/agent/andrew-gerner/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** RK Tongue **States:** Delaware, District of Columbia, Georgia, New Jersey, New York, North Carolina, Pennsylvania, Texas, Virginia --- ### [Tim Girard](https://dentistschoice.insure/agent/tim-girard/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** RK Tongue **States:** Maryland --- ### [Greg Glasser](https://dentistschoice.insure/agent/greg-glasser/) **Published:** April 9, 2025 **Author:** DentistsChoice Admin **Agency:** GAD Insurance **States:** Ohio --- ### [Jorge Rivera](https://dentistschoice.insure/agent/jorge-rivera/) **Published:** April 3, 2025 **Author:** DentistsChoice Admin **Agency:** Jorge E. Rivera Jimenez **States:** Puerto Rico --- ### [Dwight Callaham](https://dentistschoice.insure/agent/dwight-callaham/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** Professional Assocation Ins. **States:** Arkansas --- ### [Skip Nesbitt](https://dentistschoice.insure/agent/skip-nesbitt/) **Published:** February 10, 2025 **Author:** DentistsChoice Admin **Agency:** Nesbitt and Associates, Inc. **States:** Florida, Florida - North Florida, Georgia, Tennessee --- ### [Sue McFadden](https://dentistschoice.insure/agent/sue-mcfadden/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** McFadden Insurance (True North) **States:** Iowa --- ### [Sandi East](https://dentistschoice.insure/agent/sandi-east/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** HUB International **States:** Mississippi --- ### [Natalie Cambron](https://dentistschoice.insure/agent/natalie-cambron/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** Nesbitt and Associates, Inc. **States:** Alabama --- ### [Michael Hale](https://dentistschoice.insure/agent/michael-hale/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** Hale & Associates, Inc. **States:** Alaska --- ### [Megan Sharpshair](https://dentistschoice.insure/agent/megan-sharpshair/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** Pearl Insurance **States:** California --- ### [Kathleen Sukley](https://dentistschoice.insure/agent/kathleen-sukley/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** USI Insurance **States:** Maine --- ### [Eric Elg](https://dentistschoice.insure/agent/eric-elg/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** Terry Arp **States:** Idaho, Montana, Utah --- ### [Lona Ross](https://dentistschoice.insure/agent/lona-ross/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** Professional Association Agency **States:** West Virginia --- ### [Nancy Wuenne](https://dentistschoice.insure/agent/nancy-wuenne/) **Published:** February 4, 2025 **Author:** DentistsChoice Admin **Agency:** R&R Insurance **States:** Wisconsin --- ## The Team ### [Dr. Adel "Al" Rizkalla, DDS](https://dentistschoice.insure/team/dr-adel-al-rizkalla/) **Published:** January 31, 2025 **Author:** DentistsChoice Admin **Content:** Dr. Adel “Al” Rizkalla graduated from Georgetown University School of Dentistry with honors in 1988. He also completed a General Practice residency at the Veterans Administration Hospital Center in Washington, D.C. Dr. Rizkalla was the President of the Northern Virginia Dental Society (NVDS) and also represented Northern Virginia for many years as a member of the Executive Board of the Virginia Dental Association (VDA). In 2013, Dr. Rizkalla was appointed to the Virginia Board of Dentistry, and in 2016 he was elected President of the Board. He has held several positions in the Virginia Dental Association and the Northern Virginia Dental Society including, Continuing Education Chairman, Peer Review Committee Chairman, Executive Committee Chairman, Ethics Committee Chairman and Dental Health and Public Information Committee. He is an examiner for CWC testing agency and previously served on the examination committee of ADEX. Previously Dr. Rizkalla was an OSHA outreach instructor. Dr. Rizkalla is a fellow of the American College of Dentists, International College of Dentists, Pierre Fauchard Academy and the Virginia Dental Association. Over the years, and most recently in 2026, Dr. Rizkalla has been named a Top Dentist by the Washingtonian Magazine and the Northern Virginia Magazine. Dr Rizkalla teaches Restorative Dentistry, Ethics, and Practice management. Dr. Rizkalla has the honor to represent the American Dental Association on ASHRAE. He is the recipient of the Lifetime Achievement Award by the Northern Virginia Dental Society. **Team Categories:** Meet the Team --- ### [Marilyn Valenciano](https://dentistschoice.insure/team/marilyn-valenciano/) **Published:** January 31, 2025 **Author:** DentistsChoice Admin **Content:** As Vice President, Healthcare Claims, Marilyn G. Valenciano, oversees and manages both the medical and dental professional liability claims at Aspen. She has over 20 years of experience in litigation, claims and insurance. Prior to joining the insurance industry in 2010, Marilyn worked as a healthcare defense attorney defending a wide range of healthcare providers in professional and general liability claims in Florida and California. Marilyn began her claims career with The Doctors Company where she handled medical malpractice and dental malpractice claims for over a decade. She later joined TDC Specialty and ESIS ProClaim, a Chubb Company, where she continued to pursue the defense of healthcare providers. Marilyn holds a BS in Health Services Administration from the University of Central Florida and a Juris Doctor, Health Law Concentration, from Nova Southeastern University. She is admitted to practice law in Florida, California and Texas and holds multiple adjuster licenses. At Aspen, Marilyn oversees and manages both medical malpractice claims and dental practice claims. **Team Categories:** Meet the Team --- ### [Timothy A. Girard](https://dentistschoice.insure/team/1269-2/) **Published:** January 6, 2026 **Author:** DentistsChoice Admin **Content:** Tim Girard, CLU®, President of R.K. Tongue Co., Inc., has been active in the insurance industry since 1998. He earned a Bachelor of Business Administration from Loyola College in Maryland and was commissioned as an Army Officer, serving eight years in the U.S. Army Reserves. Following college, Tim began his career in the banking industry with NationsBank. His exposure to the insurance business led him to join R.K. Tongue Co. as a sales representative, where he focused on serving professionals and small business owners by helping them identify and manage their insurance needs. Today, Tim is responsible for overseeing the Maryland sales and service operations for both the Professional Markets Group and the Worksite Marketing Group nationally. He is licensed in Property & Casualty as well as Life & Health insurance and has lectured regionally on a variety of risk management and insurance-related topics. Tim resides in Forest Hill, Maryland, with his wife and three sons. Outside of work, he is passionate about giving back to the community and actively volunteers and coaches with Maryland Special Olympics. **Team Categories:** Council of State Administrators --- ### [E. Andrew Gerner](https://dentistschoice.insure/team/e-andrew-gerner/) **Published:** March 28, 2025 **Author:** DentistsChoice Admin **Content:** E. Andrew Gerner, CFP®, is President and equity member of R. K. Tongue Co., Inc. and Principal/Founder of Tongue | GERNER Financial Services, LLC. He is a licensed independent insurance agent and broker specializing in property & casualty, life & health insurance, and a Series 7 and 66 Investment Adviser. As a CERTIFIED FINANCIAL PLANNER™ (CFP®), Mr. Gerner focuses on risk management, asset protection, wealth management, retirement, and financial planning for professionals in healthcare and related industries. He has lectured to professionals, including dentists, medical residents, and insurance advisors, on risk management and financial topics. Mr. Gerner holds undergraduate degrees in Economics and Public Policy from St. Mary’s College of Maryland (Cum Laude) and continues his education at The College for Financial Planning. He is a current member of the Council of State Administrators for the Dentists Choice Program of Aspen Insurance and previously served on the State Administrator Advisory Board for the Professional Protector Plan® for Dentists. Mr. Gerner’s professional awards include State Administrator of the Year for the Professional Protector Plan® for Dentists, as well as membership in Guardian Life Insurance Company’s Leader’s Club and Disability Insurance Inner Circle. **Team Categories:** Council of State Administrators --- ### [Ed Gerner](https://dentistschoice.insure/team/ed-gerner/) **Published:** March 28, 2025 **Author:** DentistsChoice Admin **Content:** Ed Gerner, Esquire, CLU, CPCU, Executive Chairman of R.K. Tongue Co., is a second generation principal active in the business since 1966 (much longer than he cares to admit). A graduate of Loyola University Maryland and the University of Maryland Carey School of Law, a member of the Maryland Bar and the U.S. Supreme Court Bar, and a former US Army officer, he brings extensive experience, a culture of caring, and the perspectives of both an insurance professional and a lawyer to the business. He is also a licensed Life and Health Insurance Advisor. Among other boards, Ed formerly served on Commercial Life’s and Unum’s Pro-Group Councils, is a Past President of the Accountants for the Public Interest, and formerly served on the Board of Visitors of the University of Maryland Dental School for nearly 20 years, chairing that Board for two years. He has also chaired dental professional liability/dental property insurance advisory boards since 1998, currently chairing the Council of State Administrators for the Dentists Choice Program. He has authored numerous articles in various insurance publications, and speaks on risk management to various groups of health care professionals. He is an honorary member of the Baltimore City Dental Society and of the Alumni Association of the University of Maryland Dental School. He has earned Lifetime Achievement Awards from various insurance programs and companies. His business/customer service philosophy is to form and nurture trusting relationships with clients, never to betray that trust, and to service clients with persistence and determination. --- ### [Ashley Lacourse](https://dentistschoice.insure/team/ashley-lacourse/) **Published:** January 31, 2025 **Author:** DentistsChoice Admin **Content:** Ashley Lacourse brings more than 15 years of experience in the dental industry to their role as Dental Professional Liability Risk Management Analyst. With expertise spanning marketing, content creation, and event management, Ashley thrives on delivering innovative solutions under pressure. Ashley’s deep knowledge of the dental profession along with strategic creativity ensures impactful results in every initiative she leads. **Team Categories:** Meet the Team --- ### [Dr. O’Neill](https://dentistschoice.insure/team/dr-oneill/) **Published:** September 15, 2025 **Author:** DentistsChoice Admin **Content:** Born in southern Wisconsin, Dr. Shaun O’Neill has spent the last decade in Iowa attending both Luther College and the University of Iowa College of Dentistry. He was recognized with numerous awards from the college, university and the American Student Dental Association for his leadership and clinical skills. Dr. O’Neill was the Iowa American Student Dental Association’s president and trustee of the American Student Dental Association. In that role, he created the first annual IASDA Pre-Dental Summer Academy and presented to the Board of Regents on behalf of the University of Iowa College of Dentistry to emphasize the importance of the college in Iowa. His leadership has continued after dental school as Dr. O’Neill served on the National Advisory Board for the Professional Protector Plan and was recently elected Vice-President of the Fort Dodge District Dental Society. He volunteers and helps run the free dental clinic in Spirit Lake that is located at the hospital. Dr. O’Neill’s leadership was recently recognized by the American College of Dentists as he has been inducted as a fellow. Less than 3% of dentists nationwide are inducted as it recognizes dentists for exemplified excellence through outstanding leadership and contributions to dentistry and society. **Team Categories:** The National Advisory Council --- ### [Dr. Toomey](https://dentistschoice.insure/team/dr-toomey/) **Published:** September 15, 2025 **Author:** DentistsChoice Admin **Content:** Dr. Toomey is an Annapolis native, who has lived in Baltimore since 1996. His DDS was earned from the University of Maryland, College of Dental Surgery. He continued his training at the Baltimore VA Hospital’s Dental Residency Program as Associate Director after serving as the chief resident. He has served on the Dean’s Faculty of the UMD Dental School and currently serves on their admissions committee. Dr. Toomey is an active member of the Bite FX Mastermind, which is a select group of TMJ dentists from the US and Canada, who meet in person, once/year to discuss cases, treatments and practice improvements. In private practice, Dr. Toomey has seen the effects of TMJ disease and malocclusion. He has studied this for over 20 years to best help these patients with minimally invasive treatment. He has had tremendous results, including developing the Toomey Technique initiating regrowth of the condyles in a idiopathic condylar resorption case of a 12 year old. He regularly trains and teaches his staff so that his team can give the best care to their patients. This approach been appreciated and valued by his patient population and his staff. **Team Categories:** The National Advisory Council --- ### [Dr. Genrich](https://dentistschoice.insure/team/dr-genrich/) **Published:** September 15, 2025 **Author:** DentistsChoice Admin **Content:** Dr. Genrich has been on the National Advisory Board for 6 years and have been in Private Practice General Dentistry for 40 plus years. He has also been a Clinical Restorative Instructor at the UNMC College of Dentistry for 40 plus years, Member of ADA, NDA and LDDA, was on the NDA Insurance Committee for 15 years Past President of LDDA and UNMC COD Alumni Association. Fellow in American College of Dentists, Dental Director of Clinic with A Heart. **Team Categories:** The National Advisory Council --- ### [Dr. Mersinger](https://dentistschoice.insure/team/dr-mersinger/) **Published:** September 15, 2025 **Author:** DentistsChoice Admin **Content:** Dr. Mersinger graduated from the University of Maryland School of Dentistry. Upon graduating from dental school Dr. Mersinger opened a private general practice about 25 miles outside of Baltimore which he continued for 43 years. Dr. Mersinger served as president of the Maryland State Dental Association in two separate terms, served as Speaker of the House for the Maryland State Dental Association, and served in elected capacity in the Carroll County Dental Society holding many offices over his decades in practice. Dr. Mersinger previously served on the National Advisory Board for 25 years, seven as the chair. Dr. Mersinger resides in Hampstead, Maryland. **Team Categories:** The National Advisory Council --- ### [Mike Wensel](https://dentistschoice.insure/team/michael-wensel/) **Published:** February 12, 2025 **Author:** DentistsChoice Admin **Content:** Seasoned Sales Underwriting Leader with over 20 years in the Property and Casualty Insurance industry. With a proven track record of aligning leadership, underwriting, and marketing to drive sales and expand market share, Mike’s role will be focused on optimizing operational workflows along with fostering collaboration between leadership and distribution partners to expand current product offerings supporting profitable growth. **Team Categories:** Meet the Team --- ### [Brandon Bowman](https://dentistschoice.insure/team/brandon-bowman/) **Published:** March 28, 2025 **Author:** DentistsChoice Admin **Content:** Brandon is originally from Louisville, Ky, and he attended Western Kentucky University. While there, he was a founding member of Phi Gamma Delta fraternity. Upon graduation, Brandon returned to Louisville where he first worked at a law firm. He then started as an insurance agent and later purchased that insurance agency with the partnership of his cousin. Professionally, Brandon regularly lectures on insurance and risk management, including as an invited guest speaker of the Louisville Dental Society, other area study clubs, and practice management courses at several dental schools; Brandon was elected to this committee in 2024. **Team Categories:** Council of State Administrators --- ### [Eric Elg](https://dentistschoice.insure/team/eric-elg/) **Published:** March 28, 2025 **Author:** DentistsChoice Admin **Content:** After a diverse background in the insurance industry since 1995, Eric began work with Terry Arp & Associates/Professional Benefits & Insurance in 2013, offering risk management services to dental and oral surgeon practices in Idaho, Utah, and Montana. Eric became the agency owner and manager in 2015 and enjoys being a resource to the dental/oral surgeon communities in the Northwest. Eric is a native Idahoan with a degree in Political Science from the University of Idaho. **Team Categories:** Council of State Administrators --- ### [Marie Torres](https://dentistschoice.insure/team/marie-torres/) **Published:** March 28, 2025 **Author:** DentistsChoice Admin **Content:** With over 30 years of experience in the insurance industry, I have spent the last 17.5 years specializing in Dental Underwriting. I am excited to take on a new role as a Professional Liability Dental Underwriter, where I will continue to apply myself. **Team Categories:** Meet the Team --- ### [Sue McFadden](https://dentistschoice.insure/team/sue-mcfadden/) **Published:** March 28, 2025 **Author:** DentistsChoice Admin **Content:** Sue McFadden has worked within the dental industry since 1985 is the exclusive state administrator for Iowa. Sue is very active within the Iowa Dental Association and an instrumental part of the Iowa Mission of Mercy, attending all sixteen and putting together the insurance policy that covers the events. Specializing in several lines of business and known for consistently doubling her book of business. Sue has received over a dozen awards with highest achieved being the IDA Presidents Award in 2022. **Team Categories:** Council of State Administrators --- ### [Craig Start](https://dentistschoice.insure/team/craig-start/) **Published:** March 28, 2025 **Author:** DentistsChoice Admin **Content:** Mr. Start is a 1985 graduate of the University of Michigan and earned his Master’s in Business Administration at Wayne State University in 1994. After a nine-year tenure as an agent and sales manager for Prudential Insurance, Craig assumed his current position as president of MDA Insurance & Financial Group in 1994. Under Craig’s leadership, MDA Insurance & Financial Group has become a leading expert on dental association programs and non-dues revenue. The company has diversified revenue sources to include all types of insurance, as well as several other services for member dentists. Craig currently holds his property/casualty, life/health and surplus lines licensing in several states. **Team Categories:** Council of State Administrators --- ### [Steve Little](https://dentistschoice.insure/team/steve-little-2/) **Published:** January 31, 2025 **Author:** DentistsChoice Admin **Content:** Steve Little, Vice President of Medical Professional Liability, comes with over two decades of dental malpractice insurance expertise. Steve works closely with senior management in the development and implementation of the underwriting policy, marketing and business strategy. As an innovator in underwriting, claims management and risk assessment, Steve collaborates closely with agents to develop strategic solutions that protect dental professionals. Steve blends analytical expertise with a proactive approach to ensure optimal outcomes for clients. Prior to his career with Aspen, Steve worked with CNA Insurance and XL Catlin as the Underwriter Manager. He is committed to advancing the field of dental risk management through innovation, collaboration, and strategic leadership. **Team Categories:** Meet the Team --- ### [Barbara Kees](https://dentistschoice.insure/team/barbara-kees/) **Published:** January 31, 2025 **Author:** DentistsChoice Admin **Content:** **Barbara Kees** serves as the Assistant Vice President of Dental Professional Liability, bringing over 30 years of insurance experience. Her expertise spans training and development, auditing, compliance, underwriting, and management**.** She currently holds the position ofAssistant Vice President of Professional Liability Dental Underwriting at Aspen American Insurance Company**.** Before joining Aspen, she held several roles at CNA Financial Corporation, includingDirector of Non-Standard Healthcare Providers, Underwriting Consultant Director,andSenior Underwriter for the National Dental Program. **Team Categories:** Meet the Team --- ### [Chad Nice](https://dentistschoice.insure/team/chad-nice/) **Published:** January 31, 2025 **Author:** DentistsChoice Admin **Content:** Chad is a seasoned insurance professional with nearly 20 years of experience in the insurance industry. Over the last 10 years, he has specialized in professional lines underwriting and product development with a unique focus on the dental profession. Since 2014, he has served in various leadership capacities devoted to delivering a best-in-class underwriting and customer experience to stakeholders throughout the dental community. In 2022, Chad joined Aspen Insurance, continuing his extensive work in the dental professional liability space. Chad is currently Program Manager for the Dentists Choice Program. **Team Categories:** Meet the Team --- ## Articles ### [How patient selection can affect treatment outcome](https://dentistschoice.insure/articles/how-patient-selection-can-affect-treatment-outcome/) **Published:** February 18, 2026 **Author:** DentistsChoice Admin **Questions & Answers:** Risk Management Articles --- ### [Behind the smile: Managing Hidden Risks in Veneer Dentistry](https://dentistschoice.insure/articles/behind-the-smile-managing-hidden-risks-in-veneer-dentistry/) **Published:** February 18, 2026 **Author:** DentistsChoice Admin **Questions & Answers:** Risk Management Articles --- ### [A dangerous mix: periodontal disease and implants](https://dentistschoice.insure/articles/a-dangerous-mix-periodontal-disease-and-implants/) **Published:** February 18, 2026 **Author:** DentistsChoice Admin **Questions & Answers:** Risk Management Articles --- ### [ADA and AAOMR patient selection for dental radiography and CBCT](https://dentistschoice.insure/articles/american-dental-association-and-american-academy-of-oral-and-maxillofacial-radiology-patient-selection-for-dental-radiography-and-cone-beam-computed-tomography-clinical-recommendations/) **Published:** January 29, 2026 **Author:** DentistsChoice Admin **Content:** *Clinical recommendations* **Questions & Answers:** Risk Management Articles --- ### [ADA Guide to Salivary Testing](https://dentistschoice.insure/articles/ada-guide-to-salivary-testing/) **Published:** January 29, 2026 **Author:** DentistsChoice Admin **Questions & Answers:** Risk Management Articles --- ### [AI in Dentistry](https://dentistschoice.insure/articles/ai-in-dentistry-2/) **Published:** December 17, 2025 **Author:** DentistsChoice Admin **Questions & Answers:** Risk Management Articles --- ### [Ethical concerns arising from trends toward commercialized overtreatment](https://dentistschoice.insure/articles/ethical-concerns-arising-from-trends-toward-commercialized-overtreatment/) **Published:** December 17, 2025 **Author:** DentistsChoice Admin **Questions & Answers:** Risk Management Articles --- ### [Ethics: Informed Consent](https://dentistschoice.insure/articles/ethics-informed-consent/) **Published:** August 18, 2025 **Author:** DentistsChoice Admin **Questions & Answers:** Risk Management Articles --- ### [From The Headlines](https://dentistschoice.insure/articles/from-the-headlines/) **Published:** August 18, 2025 **Author:** DentistsChoice Admin **Questions & Answers:** Risk Management Articles --- ### [PDF-Icon Business Income Q&A](https://dentistschoice.insure/articles/ada-disaster-manual/) **Published:** December 17, 2024 **Author:** DentistsChoice Admin --- ### [Basic Suggestions for Claim Mitigation](https://dentistschoice.insure/articles/basic-suggestions-for-claim-mitigation/) **Published:** December 17, 2024 **Author:** DentistsChoice Admin --- ### [Antibiotic Prophylaxis Prior to Dental Treatment](https://dentistschoice.insure/articles/pdf-icon-business-income-qa/) **Published:** December 17, 2024 **Author:** DentistsChoice Admin --- ### [ADA Disaster Manual](https://dentistschoice.insure/articles/ada-disaster-manual-2/) **Published:** December 17, 2024 **Author:** DentistsChoice Admin --- ## Agency ### [Hale & Associates, Inc.](https://dentistschoice.insure/agency/hale-associates-inc/) --- ### [Nesbitt and Associates, Inc.](https://dentistschoice.insure/agency/nesbitt-and-associates-inc/) --- ### [Bowman Insurance](https://dentistschoice.insure/agency/bowman-insurance/) --- ### [Professional Assocation Ins.](https://dentistschoice.insure/agency/professional-assocation-ins/) --- ### [Pearl Insurance](https://dentistschoice.insure/agency/pearl-insurance/) --- ### [Davis & Towle](https://dentistschoice.insure/agency/davis-towle/) --- ### [RK Tongue](https://dentistschoice.insure/agency/rk-tongue/) --- ### [Terry Arp](https://dentistschoice.insure/agency/terry-arp/) --- ### [McFadden Insurance (True North)](https://dentistschoice.insure/agency/mcfadden-insurance-true-north/) --- ### [ARM of Illinois](https://dentistschoice.insure/agency/arm-of-illinois/) --- ### [USI Insurance](https://dentistschoice.insure/agency/usi-insurance/) --- ### [MDA Insurance](https://dentistschoice.insure/agency/mda-insurance/) --- ### [HUB International](https://dentistschoice.insure/agency/hub-international/) --- ### [Professional Insurors](https://dentistschoice.insure/agency/professional-insurors/) --- ### [GAD Insurance](https://dentistschoice.insure/agency/gad/) --- ### [Professional Association Agency](https://dentistschoice.insure/agency/professional-association-agency/) --- ### [R&R Insurance](https://dentistschoice.insure/agency/r-r-insurance/) --- ### [Jorge E. Rivera Jimenez](https://dentistschoice.insure/agency/jorge-e-rivera-jimenez/) --- ### [Wallace Specialty/Risk Strategies Dental Practice](https://dentistschoice.insure/agency/wallace-specialty-risk-strategies-dental-practice/) --- ### [Nevada Insurance](https://dentistschoice.insure/agency/nevada-insurance/) --- ### [HUB International Mountain States](https://dentistschoice.insure/agency/hub-international-mountain-states/) --- ### [Total Dollar Insurance](https://dentistschoice.insure/agency/total-dollar-insurance/) --- ### [The Liberty Company](https://dentistschoice.insure/agency/the-liberty-company/) --- ### [Professional Insurors of the Black Hills](https://dentistschoice.insure/agency/professional-insurors-of-the-black-hills/) --- ## States ### [Alabama](https://dentistschoice.insure/state/alabama/) --- ### [Alaska](https://dentistschoice.insure/state/alaska/) --- ### [Arizona](https://dentistschoice.insure/state/arizona/) --- ### [Arkansas](https://dentistschoice.insure/state/arkansas/) --- ### [California](https://dentistschoice.insure/state/california/) --- ### [Colorado](https://dentistschoice.insure/state/colorado/) --- ### [Connecticut](https://dentistschoice.insure/state/connecticut/) --- ### [Delaware](https://dentistschoice.insure/state/delaware/) --- ### [Florida](https://dentistschoice.insure/state/florida/) --- ### [Georgia](https://dentistschoice.insure/state/georgia/) --- ### [Hawaii](https://dentistschoice.insure/state/hawaii/) --- ### [Idaho](https://dentistschoice.insure/state/idaho/) --- ### [Illinois](https://dentistschoice.insure/state/illinois/) --- ### [Indiana](https://dentistschoice.insure/state/indiana/) --- ### [Iowa](https://dentistschoice.insure/state/iowa/) --- ### [Kansas](https://dentistschoice.insure/state/kansas/) --- ### [Kentucky](https://dentistschoice.insure/state/kentucky/) --- ### [Louisiana](https://dentistschoice.insure/state/louisiana/) --- ### [Maine](https://dentistschoice.insure/state/maine/) --- ### [Maryland](https://dentistschoice.insure/state/maryland/) --- ### [Massachusetts](https://dentistschoice.insure/state/massachusetts/) --- ### [Michigan](https://dentistschoice.insure/state/michigan/) --- ### [Minnesota](https://dentistschoice.insure/state/minnesota/) --- ### [Mississippi](https://dentistschoice.insure/state/mississippi/) --- ### [Missouri](https://dentistschoice.insure/state/missouri/) --- ### [Montana](https://dentistschoice.insure/state/montana/) --- ### [Nebraska](https://dentistschoice.insure/state/nebraska/) --- ### [Nevada](https://dentistschoice.insure/state/nevada/) --- ### [New Hampshire](https://dentistschoice.insure/state/new-hampshire/) --- ### [New Jersey](https://dentistschoice.insure/state/new-jersey/) --- ### [New Mexico](https://dentistschoice.insure/state/new-mexico/) --- ### [New York](https://dentistschoice.insure/state/new-york/) --- ### [North Carolina](https://dentistschoice.insure/state/north-carolina/) --- ### [North Dakota](https://dentistschoice.insure/state/north-dakota/) --- ### [Ohio](https://dentistschoice.insure/state/ohio/) --- ### [Oklahoma](https://dentistschoice.insure/state/oklahoma/) --- ### [Oregon](https://dentistschoice.insure/state/oregon/) --- ### [Pennsylvania](https://dentistschoice.insure/state/pennsylvania/) --- ### [Rhode Island](https://dentistschoice.insure/state/rhode-island/) --- ### [South Carolina](https://dentistschoice.insure/state/south-carolina/) --- ### [South Dakota](https://dentistschoice.insure/state/south-dakota/) --- ### [Tennessee](https://dentistschoice.insure/state/tennessee/) --- ### [Texas](https://dentistschoice.insure/state/texas/) --- ### [Utah](https://dentistschoice.insure/state/utah/) --- ### [Vermont](https://dentistschoice.insure/state/vermont/) --- ### [Virginia](https://dentistschoice.insure/state/virginia/) --- ### [Washington](https://dentistschoice.insure/state/washington/) --- ### [West Virginia](https://dentistschoice.insure/state/west-virginia/) --- ### [Wisconsin](https://dentistschoice.insure/state/wisconsin/) --- ### [Wyoming](https://dentistschoice.insure/state/wyoming/) --- ### [District of Columbia](https://dentistschoice.insure/state/district-of-columbia/) --- ### [Florida - North Florida](https://dentistschoice.insure/state/florida-north-florida/) --- ### [Puerto Rico](https://dentistschoice.insure/state/puerto-rico/) --- ## Questions & Answers ### [Risk Management Articles](https://dentistschoice.insure/qanda/risk-management-articles/) --- ## Team Categories ### [Council of State Administrators](https://dentistschoice.insure/teamcategory/council-of-state-administrators/) --- ### [Meet the Team](https://dentistschoice.insure/teamcategory/meet-the-team/) --- ### [The National Advisory Council](https://dentistschoice.insure/teamcategory/the-national-advisory-council/) ---