The Professional Protector Plan for Dentists
The Professional Protector Plan for Dentists is a dental-specialized insurance program administrator offering malpractice, property, and complementary business coverages to dental professionals across all 50 US states since 1969, operated as a Brown & Brown subsidiary.
- Company typePrivate
- Founded1969
- HeadquartersIndependence, United States
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
What The Professional Protector Plan for Dentists does
The Professional Protector Plan for Dentists (PPP) is a specialized insurance program administrator serving dental professionals and dental students across all 50 US states, the District of Columbia, and the Virgin Islands. Founded in 1969 by the Brown & Brown Professional Programs division and operated today by B & B Protector Plans, Inc., a wholly-owned subsidiary of Brown & Brown, Inc., PPP functions as a niche program manager that selects carriers, appoints agents, and packages coverage for an underserved vertical. The program's core product is a modular package policy that consolidates Professional Liability (malpractice, claims-made or occurrence), General Liability, Property, and Employment Practices Liability onto a single effective date with one premium and one carrier (Aspen American Insurance Company, rated A/A), with Cyber Liability and Markel-backed Workers' Compensation offered as additional lines. Complementary products include $25 Student Liability, $100 Student Equipment, a New Grad policy starting at $50 claims-made, Specialty Lines for hard-to-place exposures, and a Temporary Dental Services Program that deploys a functional dental facility within 40 days of a catastrophic event.
PPP's risk-management layer is co-equal to its insurance layer: it delivers a 4.5-hour AGD PACE-accredited online course worth up to a 10% three-year premium credit, weekly Proactive Practice Pointers content, sample forms, clinical/legal guidance, and an exclusive appeals process for cancelled insureds. Distribution runs through a hand-selected appointed-agent network across the US, supplemented by direct online self-serve for the student and new-grad segments, state-association endorsement funnels (Arizona, Nebraska, New Mexico, North Dakota, South Dakota, plus AAWD), and dental-school partnerships including exam coverage for WREB, CDCA, and CITA candidates. The business model is recurring subscription-based premium revenue, with PPP earning program-administrator fees on the policies placed through its agent channel rather than underwriting risk directly.
The Professional Protector Plan for Dentists firmographics
Firmographics- Name
- The Professional Protector Plan for Dentists
- Legal name
- B & B Protector Plans, Inc.
- Website
- https://protectorplan.com
- Company type
- Private
- Founded year
- 1969
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- The Professional Protector Plan for Dentists is a dental-specialized insurance program administrator offering malpractice, property, and complementary business coverages to dental professionals across all 50 US states since 1969, operated as a Brown & Brown subsidiary.
- Ownership category
- akta.pro rank
The Professional Protector Plan for Dentists industry classification
Industry- Product category
- Dental Malpractice Insurance
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Dental PPO Plans (HLAEAIAA)
Keywords
Where The Professional Protector Plan for Dentists is headquartered
LocationHeadquarters
- HQ city
- Independence
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
The Professional Protector Plan for Dentists business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Professional Liability (Malpractice) Insurance: Core malpractice insurance product for dentists covering claims-made and occurrence policies. Full consent to settle, defense costs in addition to policy limit, board coverage up to PL limit. Free tail upon retirement (restrictions apply).
- General Liability Insurance: Coverage including ERISA Fiduciary/Employee Benefits Liability, Fire & Water Legal Liability, Medical Waste Defense, Hired & Non-Owned Automobile Liability.
- Property Coverage: Building coverage with PPP Gold & Platinum enhancements, HVAC and Equipment Breakdown coverage.
- Employment Practices Liability Insurance (EPLI): Defense only or Defense & Indemnity options, plus Third Party Liability, Workplace Violence Expense, Sexual Harassment, and FLSA Wage & Hour coverage (not available in all states).
- Cyber Liability Coverage: Standalone cyber coverages including Privacy Liability & Notification Expense, HIPAA/HITECH Fines & Penalties, Network Security Liability, Public Relation & Crisis Management Expense.
- Workers' Compensation: Through Markel A+ rated carrier with needle stick reimbursement for patients and employees.
- Student Liability Insurance: $25 annual premium for dental students covering training and externships. $1,000,000 per claim/$3,000,000 limit for all claims during policy period.
- Student Equipment Coverage: $100 annual premium covering lost or stolen professional instruments, equipment, dental textbooks, laptops, DVDs. $4,000 limit subject to $250 deductible.
- Specialty Lines Insurance: Hard-to-place exposures including high-risk dental exposures, non-traditional services, past substance abuse, claims severity/frequency issues, dentists who practiced without insurance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Student Liability - $25 annual premium |
| Subscription | Annual | Student Equipment - $100 annual premium |
| Subscription | Annual | New Grad Policy - Starting at $50 |
| Subscription | Annual | PPP Package - Combined Coverage with Discount |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels7 records
The Professional Protector Plan for Dentists product offering
Product offeringCore offering
The Professional Protector Plan for Dentists (PPP) is a specialized insurance program manager that designs, administers, and distributes comprehensive malpractice and business insurance coverages for dental professionals. Its core offering is a modular insurance package combining Professional Liability, General Liability, Property, Employment Practices Liability, Cyber Liability, and Workers' Compensation, sold primarily through a national network of appointed agents to dental practices and individual dentists across all 50 states, the District of Columbia, and the Virgin Islands.
Product overview
The Professional Protector Plan® for Dentists (PPP®) is a comprehensive insurance program for dental professionals, established in 1969. The core offering is a modular insurance program combining Professional Liability, General Liability, Property Coverage, Employment Practices Liability, Cyber Liability, and Workers' Compensation. The PPP Package Policy consolidates these coverages into a single policy with one effective date and premium. Additional offerings include specialized Student Liability and Equipment Policies for dental students, New Grad Policies for newly licensed dentists, Specialty Lines Insurance for non-standard exposures, and the Temporary Dental Services Program for catastrophic event recovery. Complementing the insurance products is the Proactive Practice Program offering risk management education, continuing education courses (PPP Online Risk Management Course), sample forms and letters, and clinical/legal guidance services. The program is endorsed by multiple state dental associations and serves dentists across all 50 states, District of Columbia, and the Virgin Islands.
Differentiator
Problem solved
Functional benefit
Products and services
- Professional Liability Coverage Malpractice insurance covering dental professional liability with options for claims-made or occurrence policies, including full consent to settle provisions, defense costs in addition to policy limit, and board coverage up to the PL limit. Free tail available upon retirement (restrictions apply).
- General Liability Coverage Insurance covering ERISA Fiduciary/Employee Benefits Liability, Fire and Water Legal Liability, Medical Waste Defense, and Hired and Non-Owned Automobile Liability for dental practices.
- Property Coverage Coverage for dental practice buildings, equipment, HVAC, and equipment breakdown, with PPP Gold and Platinum enhancement options for higher-tier protection.
- Employment Practices Liability Insurance (EPLI) Insurance covering employment practices issues including defense-only or defense and indemnity options, third-party liability, workplace violence expense, sexual harassment, and FLSA wage and hour claims (not available in all states).
- Cyber Liability Coverage Standalone cyber coverage including Privacy Liability and Notification Expense, HIPAA/HITECH Fines and Penalties, Network Security Liability, and Public Relations and Crisis Management Expense.
- Workers' Compensation
Quantifiable outcome
- PPP insured dentists receive up to 10% risk management credit on professional liability premium for 3 years upon completing the online risk management course.
- +2 more outcomes
Companies that use The Professional Protector Plan for Dentists
Customer profileNamed customers10 records
Segments6 records
Ideal customer profiles4 records
The Professional Protector Plan for Dentists technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
The Professional Protector Plan for Dentists partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core, supporting and key.
- Brown & Brown Professional ProgramscoreBrown & Brown Professional Programs division established the PPP in 1969. B&B Protector Plans, Inc. serves as Program Administrator, selecting insurance carriers and appointing agents across the country.
- Aspen American Insurance Company (AAIC)coreCurrent carrier partner with 'A' (Excellent) A.M. Best rating. Rated 'A' (Outlook Stable) by S&P Global with more than 50 years of experience in program business. All products are written by AAIC, a subsidiary of Aspen Insurance Holdings Limited.
- MarkelcoreA+ rated carrier providing workers' compensation coverage for PPP insureds. Offers needle stick reimbursement for patients and employees. Provides loss control resources including safety assistance, videos, training materials, and return-to-work programs.
- Jackson LewissupportingPPP insureds receive complimentary access to Jackson Lewis' Employment Practices helpline where they receive general employment legal information from a network of trained attorneys.
- Western Regional Testing Board (WREB)supportingRegional board exam provider. PPP automatically provides professional liability insurance at NO ADDITIONAL CHARGE to candidates taking WREB exams.
- Commission on Dental Competency Assessments (CDCA)supportingRegional board exam provider. PPP automatically provides professional liability insurance at NO ADDITIONAL CHARGE to candidates taking CDCA exams.
- Council of Interstate Testing Agencies (CITA)supportingRegional board exam provider. PPP automatically provides professional liability insurance at NO ADDITIONAL CHARGE to candidates taking CITA exams.
- American Association for Women DentistskeyNational organization that recommends the PPP as their preferred malpractice insurance program for women dentists in the U.S.
- Arizona Dental AssociationkeyState dental association that recommends the PPP as their preferred malpractice insurance program.
- Nebraska Dental AssociationkeyState dental association that recommends the PPP as their preferred malpractice insurance program.
- New Mexico Dental AssociationkeyState dental association that recommends the PPP as their preferred malpractice insurance program.
- North Dakota Dental AssociationkeyState dental association that recommends the PPP as their preferred malpractice insurance program.
- South Dakota Dental AssociationkeyState dental association that recommends the PPP as their preferred malpractice insurance program.
- University of Iowa College of DentistrysupportingState dental association that works closely with PPP State Administrator Sue McFadden for student events and risk management seminars.
- Maryland State Dental Association FoundationsupportingPPP is a proud donor of the MSDA Foundation. Contributed to $10,000 scholarship for 2024-2025 recipient Aza Shiao of University of Maryland School of Dentistry.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
The Professional Protector Plan for Dentists competitors and assessment
Company assessmentBroad incumbents
- The Doctors Company: The Doctors Company is the largest physician-owned medical malpractice insurer in the U.S., also serving dentists and other healthcare professionals. It is a broad incumbent that overlaps with PPP in dental professional liability but operates across the wider healthcare provider market.
- ProAssurance: ProAssurance is a publicly-traded specialty insurer focused on medical professional liability for physicians, dentists, and healthcare facilities. It is a broad incumbent with comparable dental malpractice products within a wider healthcare liability portfolio.
- Tokio Marine HCC: Tokio Marine HCC is a specialty insurance group within Tokio Marine that writes professional liability including medical and dental malpractice. It is a broad incumbent offering competing capacity to program administrators like PPP.
- Medical Protective: Medical Protective (a Berkshire Hathaway subsidiary) is a long-established healthcare professional liability carrier offering malpractice coverage to dentists, physicians, and other providers. It is a broad incumbent with overlapping dental malpractice products distributed through a broader healthcare portfolio.
- CNA Financial: CNA Financial is a large U.S. commercial property-and-casualty insurer with a healthcare professional liability practice that includes dental malpractice. It is a broad incumbent competing via broader commercial carrier distribution rather than specialty program focus.
Direct peers
- MedPro Group: MedPro Group (a Berkshire Hathaway subsidiary) is one of the largest U.S. providers of healthcare professional liability insurance, including dedicated dental malpractice coverage. It is a direct peer in dental malpractice underwriting, claims handling, and risk management.
- Dentist's Advantage: Dentist's Advantage is a specialty professional liability program focused on dentists and dental practices, offering malpractice and practice coverage. It competes directly with PPP in the dental malpractice segment with similar product structure and target customer base.
- HPSO / NSO (Healthcare Providers Service Organization): HPSO/NSO provides professional liability insurance for healthcare providers including dentists, nurses, and allied health professionals. It is a direct peer given its comparable specialty malpractice focus, agent/online distribution model, and risk management education offerings.
Others
- Aspen Insurance Holdings: Aspen Insurance Holdings is PPP's exclusive underwriting carrier (via Aspen American Insurance Company) but also writes its own professional liability products including dental malpractice. It is an ecosystem participant as carrier partner and adjacent competitor.
Emerging players
- OMS National Insurance Company: OMS National is a specialty professional liability insurer focused on oral and maxillofacial surgeons. It is an emerging player in dental-adjacent malpractice with a narrower specialty focus than PPP's general dental practice coverage.
Market position
Strengths5 records
Weaknesses1 record
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
The Professional Protector Plan for Dentists social profiles
Digital presenceThe Professional Protector Plan for Dentists financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Professional Protector Plan for Dentists leadership team
Management profileNumber of profiles
Profiles2 records
The Professional Protector Plan for Dentists funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Professional Protector Plan for Dentists M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Professional Protector Plan for Dentists
What does The Professional Protector Plan for Dentists do?
The Professional Protector Plan for Dentists (PPP) is a specialized insurance program manager that designs, administers, and distributes comprehensive malpractice and business insurance coverages for dental professionals. Its core offering is a modular insurance package combining Professional Liability, General Liability, Property, Employment Practices Liability, Cyber Liability, and Workers' Compensation, sold primarily through a national network of appointed agents to dental practices and individual dentists across all 50 states, the District of Columbia, and the Virgin Islands.
Is The Professional Protector Plan for Dentists a public or private company?
The Professional Protector Plan for Dentists is a private company. It is classified as corporate owned and is currently operating.
When was The Professional Protector Plan for Dentists founded?
The Professional Protector Plan for Dentists was founded in 1969. It employs 1,001 to 5,000 people.
Where is The Professional Protector Plan for Dentists based?
The Professional Protector Plan for Dentists is headquartered in Independence, United States, in the North America region.
How does The Professional Protector Plan for Dentists make money?
Nine revenue lines are on record. Professional Liability (Malpractice) Insurance is the primary driver. The others are general Liability Insurance, property Coverage, employment Practices Liability Insurance (EPLI), cyber Liability Coverage, workers' Compensation, student Liability Insurance, student Equipment Coverage and specialty Lines Insurance.
Who are The Professional Protector Plan for Dentists's main competitors?
Broad incumbents on record are The Doctors Company, ProAssurance, Tokio Marine HCC, Medical Protective and CNA Financial. Direct peers are MedPro Group, Dentist's Advantage and HPSO / NSO (Healthcare Providers Service Organization). Aspen Insurance Holdings is listed as an others. OMS National Insurance Company is listed as an emerging player.
Does The Professional Protector Plan for Dentists have an API?
No public API is recorded for The Professional Protector Plan for Dentists.
What industry is The Professional Protector Plan for Dentists in?
The Professional Protector Plan for Dentists's product category is Dental Malpractice Insurance. Its primary akta.pro industry code is HLAEAIAA, Dental PPO Plans. Its NAICS code is 524292 and its SIC code is 6411.