The Professional Protector Plan for Dentists

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.

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

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

• Dental malpractice insurance
• Professional liability coverage
• Dental practice insurance
• Risk management services
• Insurance program administration

Headquarters

HQ city

Independence

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. 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).
2. General Liability Insurance: Coverage including ERISA Fiduciary/Employee Benefits Liability, Fire & Water Legal Liability, Medical Waste Defense, Hired & Non-Owned Automobile Liability.
3. Property Coverage: Building coverage with PPP Gold & Platinum enhancements, HVAC and Equipment Breakdown coverage.
4. 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).
5. Cyber Liability Coverage: Standalone cyber coverages including Privacy Liability & Notification Expense, HIPAA/HITECH Fines & Penalties, Network Security Liability, Public Relation & Crisis Management Expense.
6. Workers' Compensation: Through Markel A+ rated carrier with needle stick reimbursement for patients and employees.
7. 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.
8. Student Equipment Coverage: $100 annual premium covering lost or stolen professional instruments, equipment, dental textbooks, laptops, DVDs. $4,000 limit subject to $250 deductible.
9. 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

Go-to-market motion4 records

Distribution channels4 records

Marketing channels7 records

Core 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

Named customers10 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

15 partnerships are on record, tiered core, supporting and key.

• Brown & Brown Professional ProgramscoreStrategic or Co-development PartnerBrown & 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)coreOthersCurrent 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.
• MarkelcoreOthersA+ 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 LewissupportingImplementation/ SI/ Consulting PartnerPPP 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)supportingStrategic or Co-development PartnerRegional board exam provider. PPP automatically provides professional liability insurance at NO ADDITIONAL CHARGE to candidates taking WREB exams.
• Commission on Dental Competency Assessments (CDCA)supportingStrategic or Co-development PartnerRegional board exam provider. PPP automatically provides professional liability insurance at NO ADDITIONAL CHARGE to candidates taking CDCA exams.
• Council of Interstate Testing Agencies (CITA)supportingStrategic or Co-development PartnerRegional board exam provider. PPP automatically provides professional liability insurance at NO ADDITIONAL CHARGE to candidates taking CITA exams.
• American Association for Women DentistskeyChannel Partner/ Reseller/ DistributorNational organization that recommends the PPP as their preferred malpractice insurance program for women dentists in the U.S.
• Arizona Dental AssociationkeyChannel Partner/ Reseller/ DistributorState dental association that recommends the PPP as their preferred malpractice insurance program.
• Nebraska Dental AssociationkeyChannel Partner/ Reseller/ DistributorState dental association that recommends the PPP as their preferred malpractice insurance program.
• New Mexico Dental AssociationkeyChannel Partner/ Reseller/ DistributorState dental association that recommends the PPP as their preferred malpractice insurance program.
• North Dakota Dental AssociationkeyChannel Partner/ Reseller/ DistributorState dental association that recommends the PPP as their preferred malpractice insurance program.
• South Dakota Dental AssociationkeyChannel Partner/ Reseller/ DistributorState dental association that recommends the PPP as their preferred malpractice insurance program.
• University of Iowa College of DentistrysupportingStrategic or Co-development PartnerState dental association that works closely with PPP State Administrator Sue McFadden for student events and risk management seminars.
• Maryland State Dental Association FoundationsupportingStrategic or Co-development PartnerPPP 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

Broad 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

• Xx.com/PPPDentalPlan
• YouTubeyoutube.com/user/PPPDentalPlan
• Facebookfacebook.com/PPPDentalPlan
• LinkedInlinkedin.com/company/the-professional-protector-plan-for-dentists
• Instagraminstagram.com/pppdentalplan

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&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