Georgia Dental Insurance Services

Protect Your Loved Ones and Your Assets.

Save thousands of dollars on business and personal lines of insurance along with discounts on products and services that support you and your dental practice.

Let us create a customized plan for you, your family, and dental team.

Georgia Dental Insurance Services

GDIS offers insurance coverage for every stage of your career and every part of your life, including products for your family, personal assets and dental teams.

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Attentive, personal customer service, for all your insurance needs.

Our team is made up of experienced agents who are dedicated to finding the best, most cost-effective ways to give you and your practice the security you deserve. We are available to review your current policies, answer questions, and provide quotes for each of your insurance needs – and we ensure that you receive competitive rates that provide comprehensive, successful coverage. Not only do we provide exceptional services to our member dentists, we also offer a variety of products and services to protect your family, friends, and dental staff. Give us a call today or complete the form below to request a confidential consultation.

Our History

The drive to create an insurance agency came after a series of challenges where the Georgia Dental Association's endorsed medical providers did not offer adequate group health plans to members. At the end of 1996, GDA President Jim Hall and the GDA Executive Committee began to lay plans to not only bring medical plan administration in-house, but create a full-service insurance agency that would offer other valuable products and services to members. Georgia Dental Insurance Services (GDIS) was established in July 1997 to provide GDA members with strong, stable insurance products. In the process of establishing GDIS, the GDA appointed a GDIS Board of Directors - the first members were Drs. John Ferguson, Jim Moncrief, Brad Greenway, John Freihaut, Bob Vaunt, Bill Bennet, and Michael Pruett.

Throughout the years, GDIS has expanded it services to fit members ever-changing needs. From the early stages of their career through retirement years, Georgia's dental community, their families, and dental staff continue to trust GDIS to help protect personal and professional assets with affordable business, personal and medical insurance plans.

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Georgia Dental Insurance Services 1850 Parkway Place, Suite 420 Marietta, GA 30067 Phone: 770.395.0224 Fax: 404-634-6099

Professional Liability for General & Specialty Dentists

Oral and Maxillofacial Surgeons

Professional Liability for New Dentists

Professional Liability Coverage

GDIS provides professional liability policies to protect dentists if a malpractice lawsuit is brought forward. Our competitively priced coverage typically provides for both defense costs and indemnification or any damages deemed payable to the plaintiff.

Did you know:

The average dentist can expect to see at least one claim in his or her career.¹
As of December 2019, the National Practitioner Data Bank (NPDB) shows the average dental malpractice payout is about $88,400.²

Don’t hesitate to contact us today for your free quote and policy review.

¹American Dental Association, Health Policy Institute, Surveys of Dental Practice. Average Number of Patient Visits per Dentist 2017.

²National Practitioner Data Bank Public Use File, December 31, 2019. Five-year average 2015-2019.

Our Partner MedPro Group

Liability Coverage from an Industry Leader

You want peace of mind, expertise, and stability from your professional liability insurance provider – and GDIS is proud to work with MedPro, a strong, reliable partner. Learn a little more about the strength of our coverage, and why it can help you protect what matters:

PEACE OF MIND

A Berkshire Hathaway Company
Unsurpassed financial strength ratings: A++ (A.M. Best)
Pure consent provision gives you control to refuse to settle a claim

EXPERTISE

Over half a million claims managed since 1899
95% dental and OMS trial win rate; 80% of dental claims closed without payment
An Advisory Board of experienced dentists who review claims and offer insights

CHOICE

Customized insurance, claims and risk management solutions
Comprehensive coverage in all 50 states and D.C.
Claims-made, Occurrence, and Convert to Occurrence® coverage options give you flexibility

Malpractice Protection from MedPro Group

Your trusted GDIS team is excited to offer you professional liability insurance through MedPro Group — an industry-leading carrier providing comprehensive coverage at a competitive cost. We believe you shouldn’t have to pay high fees to get the claims handling and risk management experience you deserve.

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Offering Superior Protection

MedPro Group is the only insurance carrier to offer OMS:

BETTER COST

You won’t pay capital contributions when you switch. In fact, we have a variety of premium credits which have helped OMS save thousands on their annual premiums.

BETTER DEFENSE COVERAGE

We defend OMS using 120+ years of claims experience across the healthcare spectrum and the nation’s leading defense counsel. These are some of the reasons we close 80% of claims without payment and hold a 95% trial win rate.

BETTER CARRIER

We’re the strongest carrier in the industry—a Berkshire Hathaway company with an A++ rating from A.M. Best. Our unmatched financial stability combined with our successful defense track record allows us to fiercely defend claims while maintaining affordable premiums.

Financial Strength

As a Berkshire Hathaway company with an A.M. Best financial strength rating of A++ (Superior), MedPro has over 120 years of experience in this industry. MedPro's stability ensures that the company is well-positioned to protect oral and maxillofacial surgeons well into the next century. It's a promise we feel confident making.

Flexible Policy Options

OMS Preferred by MedPro offers oral and maxillofacial surgeons options that extend beyond a one-size-fits-all policy. Whether you're new to practice or you've been practicing for 30 years, if you're adding an Associate (or two) or moonlighting, OMS Preferred by MedPro allows you to switch your existing Claims-made policy to Occurrence without purchasing expensive tail coverage or causing any gaps in coverage. That said, if a Claims-made policy is the best fit for you, OMS Preferred by MedPro's Claims-made policy allows you the flexibility to retire at any age - unlike other carriers. (OMS Preferred by MedPro requires that you've had a mature Claims-made policy for one year with us before you make the decision to retire.)

Unrivaled Claims Defense

Winning a malpractice case often requires resources outside of the OMS profession. That’s why we defend you using 120+ years of claims experience across healthcare, the nation’s leading defense counsel, and over 7,000 of the best expert witnesses.

If your company only insures OMS, they may not have the breadth of resources and insights to best defend your case. Being covered by a company with experience across professions can be the deciding factor in a malpractice lawsuit — and we have the winning record to prove it. We close 80% of claims without payment and hold a 95% trial win rate.

Pure Consent to Settle

We give you the right to refuse to settle a claim — unlike many insurance competitors who have exceptions in their consent provision. If you want to fight your claim in court, you should have the right to do so.

Price

We don't make you pay a capital contribution and we offer a variety of premium credits. In fact, OMS can save thousands when they switch to us.

Additional Information

MedPro Group internal data 2011-2017. All competitor information derived from financial statements, regulatory filings and competitor websites and is current as of 1/23/2017. A.M. Best rating as of 7/14/2017. This comparison is an educational tool designed to help you learn about the insurance coverage and the various details you may want to consider when selecting your healthcare liability policy. We value data integrity. If you believe that any information is incorrect, please contact us. In order to qualify for a free tail you must have a retroactive date at least 48 months prior to the date of retirement. The Convertible Claims-Made product will be offered by the Company, subject to its underwriting guidelines. If coverage is canceled during the three (3) policy years subsequent to the issuance of the Convertible Claims-Made product, insureds will owe the actual amount of premium that would have been charged for a separate extension contract had one been purchased at the time of the issuance of the Convertible Claims-Made product, subject to the terms and conditions of the policy. The additional premium shall be calculated at the filed rate for an extension contract endorsement at the time the Convertible Claims-Made product was issued and is due sixty (60) days from the date of cancellation. MedPro Group is the marketing name used to refer to the insurance operations of The Medical Protective Company, Princeton Insurance Company, PLICO, Inc. and MedPro RRG Risk Retention Group. All insurance products are administered by MedPro Group and underwritten by these and other Berkshire Hathaway affiliates, including National Fire & Marine Insurance Company. Product availability is based upon business and regulatory approval and may differ among companies. Visit medpro.com/affiliates for more information. ©2017 MedPro Group Inc. All Rights Reserved.

Disclaimer: A.M. Best rating as of 6/21/2023. All data is derived from MedPro Group records and calculations; claims data range is 2013-2022 unless otherwise indicated. MedPro Group is the marketing name used to refer to the insurance operations of The Medical Protective Company, Princeton Insurance Company, PLICO, Inc. and MedPro RRG Risk Retention Group. All insurance products are administered by MedPro Group and underwritten by these and other Berkshire Hathaway affiliates, including National Fire & Marine Insurance Company. Product availability is based upon business and/or regulatory approval and may differ among companies. © MedPro Group Inc. All Rights Reserved.

Our Partner Hartford Insurance

In 2016, hundreds more Georgia dentists found competitive, comprehensive coverage thanks to GDA Plus+ Insurance/GDIS and our partner The Hartford. From business policies to worker’s compensation coverage, we can provide high quality, attentive service – and help you consolidate all your policies with one company, endorsed by your Georgia Dental Association.

For more than 30 years, The Hartford has had a team of small business insurance specialists dedicated to serving small businesses such as dental practices. A fortune 500 company, Hartford Insurance counts more than 1 million small business owners who trust them for their insurance needs. Hartford’s claims experience consistently earns industry leading ratings and reviews from our small business insurance customers and our middle and large business clients. In 2016, the Ethisphere® Institute named The Hartford a World’s Most Ethical Company® for the eighth time.

Business Owner's Policy

As practicing professionals and small business owners, many dentists require property and casualty coverage. Through The Hartford, GDIS agents can address your specific concerns, which might include patient records coverage, dental waste disposal, property/equipment coverage, income interruption and more.

At a minimum, most small medical and healthcare practices have a Business Owner’s Policy (BOP). Why? Because it helps protect your business in much the same way that a homeowner’s policy protects your home and personal possessions.

By combining some of the most important coverages small business owners need, including Business Liability, Business Property and Business Income, a BOP can save you money while helping to safeguard what you’ve worked hard to build. It also provides an easy way to purchase optional, additional coverage tailored to your business.

Here is a list of coverages that can be included or endorsed on your business owner's policy.

Business Liability Coverage

Business Liability coverage helps protect you, your practice and your employees for claims related to property damage, bodily injury and personal and advertising injury. Among other expenses, it helps cover defense costs and covered settlements or judgments you’re legally obligated to pay.

Business Property Coverage

Business Property coverage helps protect the property you lease, own or rent (i.e. office building and/or contents).

Business Income Coverage

Business Income coverage helps protect lost income if you’re forced to close due to direct physical loss or damage to your premises, or business property at your premises, resulting from an event covered by your policy.

Data Breach

Medical and healthcare professionals often store information about their employees and clients, including sensitive personal health information, social security and debit and credit card numbers. If that information is lost or stolen, it could leave your business vulnerable to lawsuits, regulatory fines, penalties and a damaged reputation.

Contrary to popular belief, the risk of a data breach is not just a problem for big business and hacking isn’t the only way a breach can occur. Consider what could happen if:

An employee’s car is broken into and a laptop containing clients’ personally identifiable information is stolen.
An email containing sensitive employee or patient information is sent to the wrong person.
Patient records containing health histories are taken during a break-in.

Many business owners aren’t aware of the costs associated with a data breach – or the actions they may need to take to address the liabilities they face when their paper or virtual records are lost or stolen. If you collect or store any personally identifiable information on employees or clients, you should consider data breach coverage.

The Hartford’s data breach program offers coverage to help pay for costs associated with notifying impacted individuals, managing public relations, good faith advertising and legal liability expenses. Customers also have access to services that can help reduce the likelihood of a breach and assistance to help navigate a breach if one occurs.

Commercial Umbrella

Commercial Umbrella Insurance provides businesses with additional liability coverage to help protect them against the potentially ruinous costs of claims. Significant assets can be at risk when businesses are the target of lawsuits. If the cost of a claim exceeds the limits of a business’s underlying primary insurance policies, commercial umbrella insurance extends liability coverage for an additional layer of insurance to further protect business assets. Without commercial umbrella insurance, business owners could be obligated to pay out of pocket for legal fees, medical bills, and damage expenses that exceed the limits of their underlying primary business coverages.

Your commercial umbrella insurance can extend to cover your worker's compensation policy if policy limits are exhausted.

ERISA Bonds

The Employee Retirement Income Security Act (ERISA) sets rules and standards of conduct for private sector employee benefit plans and those that invest and manage their assets. An ERISA fidelity bond is a type of insurance that protects the plan against losses caused by acts of fraud or dishonesty.

EPLI

Employment practices liability insurance, known in the trade as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging discrimination based on sex, race, age or disability (i.e. wrongful termination or harassment).

Workers' Compensation

If you own a practice and have employees, you probably need workers' compensation ("workers' comp") insurance – most states require it. Without it, you may be held personally liable for the cost of your employees' medical care for a work-related injury or illness and even their wages while they’re recovering. Not to mention, some states have laws with fines for failing to purchase coverage.

The laws vary by state, but full-time and part-time employees are generally covered by workers' comp. In some states, business owners, partners and officers must be covered too. Also, keep in mind that the definition of "employee" can vary by state. If you use subcontractors, it’s important to find out whether they’re considered employees. If you've issued your sub, or anyone else, a 1099, they may be eligible for coverage under your workers' comp policy.

Workers' comp provides benefits to your employees for work-related injuries or illnesses. And depending on the state you do business in, it could include medical care, wages from lost work time, rehab, disability benefits and survivor or death benefits. And, if one of your workers gets hurt on the job and their family decides to sue you, workers' comp can help you with related legal fees and more.

Providing workers' comp coverage for more than a century, The Hartford's program sets the standard for value, innovation and injured worker care.

Lessor's Risk Policies

If you own property that is leased to others, whether one small office or a large complex, lessor's risk insurance is a must-have if you wish to adequately protect your investment from litigation as the result of an accident.

Lessor's Risk policies are designed to provide liability and property protection for building owners who lease their building or, in some cases, the policy provides liability and property coverage for building owners who occupy less than 75% of their building and lease out the remainder of the building.

Builder's Risk

Builder's risk insurance is coverage that protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.

Personal Insurance Lines

We offer all of our personal lines products to you, your family, and dental staff.

Protect what matters most to you – today and tomorrow – with our wide variety of lines:

Our Partners

Peace of Mind

We partner with top-tier insurance providers to help protect your home, your car, rental property, and your toys. Your GDIS team has over 75 years of combined personal lines insurance experience and can help you determine the coverage that will protect you and your family from unforeseen events.

GDIS Partners

Safeco
Travelers
Umbrella.com
Progressive

2026 Group Health Plans Webinar

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2026 Group Health Plans

3 exceptional health plans to choose from (one is HSA compatible)
Age-banded rates which offer a more equitable approach by aligning premium costs more closely with the actual cost of care
Trusted partnership with a recognized leader in healthcare innovation
Broad network options
Optional low-cost vision coverage
Basic term life benefit of $10,000 on primary insured up to age 65
Rate guarantee for one year
No health questions on enrollment
High satisfaction level with personal customer service
Continued access to reliable coverage

View 2026 Health Plan Benefits Guide

Plans and rates begin on page 6.

2026 Benefit Guide