Oral & Maxillofacial Surgeons

Oral & Maxillofacial Surgeons

Our years of experience in this specialized area of insurance allows us to provide clients and friends with a competent and knowledgeable team of insurance professionals to handle your insurance needs.

Coupled with this expertise is our access to one of the most comprehensive and competitive Medical Professional Liability insurance products offered on the market today – OMSNIC.

Whether it is a highly trained Insurance Agent/Broker you are in need of, or a firm with a competent professional staff, both of these are the bed rock that the Medical Professional Liability Division at HMBD Insurance is built upon.

Medical Professional Liability insurance and risk management is a complicated business that requires the specialized expertise and products you will find at HMBD Insurance Services.

What is the OMSNIC advantage?

Medical Liability InsuranceMore than 80% of oral and maxillofacial surgeons nationwide know the reason OMSNIC has been the leading provider of professional liability insurance to OMSs for over 20 years – it’s “The OMSNIC Advantage”.

OMSNIC is owned and operated by oral and maxillofacial surgeons – and exclusively insures OMSs – so we bring a unique perspective to our mission of protecting your practice, your reputation and your future. OMSNIC has a proven track record of aggressively defending claims brought against our policyholders. Our highly trained Claims specialists and expert defense counsel repeatedly achieve a 94% success rate at trial.

OMSNIC has developed a comprehensive risk management program through which we educate our insureds about practical risk management techniques that enhance patient care. This protects OMSs by preventing claims or defending claims that are filed, leading to stable professional liability insurance rates. Our quality risk management training, consisting of both live and on-line seminars, offers you the opportunity to earn CE credits, as well as a renewable 5% premium credit that applies to three policy periods.

As an OMSNIC policyholder, stock ownership makes you an owner of the company, and we,re dedicated to getting the best possible return on the preferred stock investment for each stockholder. When premiums are appropriately rated and claims are expertly handled, the company remains strong and policyholders benefit through their investment in the stock program. Find out more about the Preferred Stock Investment Program.

OMSNIC consistently earns an “A” (Excellent) rating from the A.M. Best Company, which is considered by many to be the premier independent rating bureau for insurance companies in the United States.

Need more reasons? HMBD also offer:

• New-to-Practice Discounts

• Loss-free credits up to 20% after three years in the program

• Waiver of tail premium at any age after five years upon retirement

• Coverage for practices with reduced hours, such as Part Time, Consultation Only and Volunteer

• Free corporation/partnership coverage

• EPL defense only coverage

• Medicare/Medicaid Fraud & Abuse defense only coverage

• DPR defense only coverage

• OMS Data Defense Coverage