There are two types of dental liability insurance, which includes “occurrence” and “claims-made” policies. Occurrence dental policies process a claim based on the date the services were provided, but use the current policy, which must be in effect and active. Claims-made policies are based on the date of the claim, not when the services were performed, but you also must have an active policy. Aside from that, different insurance companies specialize in different professions. For instance, some specialize in dentist coverage while others specialize in maxillofacial and oral surgeons.