For Over 25 years we've been providing orthodontists with quality Professional Liability Insurance and it is our mission to continue to provide exceptional coverage and irreplaceable peace of mind when it's needed most.
Twenty-six years ago, the need for stable and quality affordable Professional Liability coverage among orthodontists lead to the inception of AAO's Professional Liability Insurance company, in the form of a risk retention group (RRG).
As an RRG based in Vermont, AAOIC would be able to provide coverage for orthodontists in all 50 U.S. states, while operating independently from the AAO.
Soon after approval from the Vermont Department of Insurance, AAOIC obtained reinsurance to cover potential losses over $150,000, giving insured orthodontists peace of mind knowing they're protected from catastrophic losses. Currently, AAOIC reinsures all claims over $200,000. Member insureds also enjoy shareholder benefits from AAOIC.
Take a glimpse into the past and see what has formed us into the established company we are today.
1987 The AAO-Endorsed Professional Liability Program was developed and introduced through JLT Services
1989 The program's underwriter was transferred from Harbor Paciic Insurance Company in California to Scottsdale Insurance Company in Phoenix.
1995 AAOIC (AAO Insurance Company, a Risk Retention Group) became the underwriter of the AAO-Endorsed Professional Liability Program.
AAOIC has distributed impressive dividends to our shareholders for many years.
2019 27%
2018 22%
2017 6.7%
2016 7.5%
2015 7%
2014 7.8%
2013 12.2%
2012 15.5%
2011 15.1%
2010 8%
2009 0%
2008 5%
2007 0%
2006 1.5%
Experience why AAOIC "The Orthodontists' Malpractice Insurance" is regarded as the most important benefit offered to AAO members and is the "Gold Standard" of Professional Liability Insurance!
It's easy for AAO Members to get coverage for all their professional needs. Get a premium estimate today!