Business Details
27 Years
experience
Trusted Dental Insurance Solutions in Boise, ID
Professional Benefits & Insurance & Insurance has been dedicated to serving dental professionals since 1999. Our agency became the exclusive agent for the Professional Protector Plan for Dentists in Idaho and Utah, a program that has provided comprehensive insurance solutions since 1969. We specialize in tailored insurance packages, including professional liability, workers compensation, and risk management, designed to meet the unique needs of dental practices. Underwritten by AAIC, an A-rated carrier by A.M. Best, our policies eliminate coverage gaps through an integrated approach.We offer resources such as risk management newsletters, continuing education courses, and personalized support to help dentists mitigate risks. Our team combines decades of industry experience with a commitment to client service, ensuring policies align with both personal and business needs. We extend coverage to dental students, hygienists, and oral surgeons, providing worldwide protection and flexible limits. In 2013, Eric and Stephanie Elg acquired the agency, continuing its legacy of trust and expertise while adapting to evolving industry demands.
Services
Professional Liability Insurance
Workers Compensation
Disability Insurance
Life Insurance
Business Overhead Expense
Cyber Security Insurance
Risk Management
Student Insurance
Hygienist Insurance
Oral Surgeon Insurance
Details
- Year established: 1999
Highlights and features
- We offer exclusive dental insurance programs with coverage since 1969.
- Our single-provider approach eliminates fragmented insurance management.
- We partner with an A-rated carrier for financial stability and trust.
- We provide risk management resources tailored to dental professionals.
- Our team combines decades of industry experience with personalized service.
Associations and certifications
- A.M. Best (A rating)
- AAIC
Services
Professional Liability Insurance
Our Professional Liability Insurance protects dentists against claims arising from professional errors or negligence. This coverage includes legal defense costs and settlements related to patient injuries or dissatisfaction. Tailored to dental practices, it ensures financial protection while maintaining compliance with industry standards.
Workers Compensation
Workers Compensation covers medical expenses and lost wages for employees injured on the job. Designed for dental offices, it includes needle-stick reimbursement and compliance with state regulations. This policy safeguards both employers and staff while reducing liability risks.
Disability Insurance
Disability Insurance provides income replacement if a dentist cannot work due to illness or injury. Our policies are 'true own occupation' plans, ensuring benefits even if the dentist works in another field. Coverage supports financial stability during recovery periods.
Life Insurance
Life Insurance offers financial protection for dependents or business partners in the event of a dentist's death. We provide term, whole, and universal life policies tailored to personal and business needs, ensuring long-term security.
Business Overhead Expense
Business Overhead Expense Insurance covers operational costs if a dentist becomes disabled. This includes rent, employee salaries, utilities, and loan payments. The policy ensures practice continuity during extended absences, protecting business stability.
People
Eric Elg
Owner
Eric Elg has served dental professionals since 2013, specializing in risk management. He acquired Terry Arp & Associates in 2013 after Terry's passing. Eric holds a Political Science degree from the University of Idaho and prioritizes community engagement.
Stephanie Elg
Owner
Stephanie Elg, a Boise State University graduate, brings accounting and sales expertise to the agency. She transitioned from internal auditing to insurance in 2013, managing operations and client relations. Her focus is on personalized service and financial strategy.
Alyssa Hallock
Insurance Agent
Alyssa Hallock has worked in insurance since 2015, specializing in dental policies. She graduated from Boise State University and focuses on client education and coverage customization. Her background includes personal insurance, enhancing her holistic approach.
Candace Peak
Account Assistant
Candace Peak joined the team in 2014, leveraging 10 years of mortgage industry experience. She manages account operations and client support, emphasizing service excellence. Her role ensures seamless policy administration and client satisfaction.
Terry Arp
Founder
Terry Arp founded the agency in 1970, pioneering dental insurance programs. He served the dental community for over 40 years, establishing the Professional Protector Plan's reputation. His legacy continues through the agency's commitment to tailored solutions.
Questions
What is the difference between claims-made and occurrence liability policies?
Claims-made policies cover incidents reported during the policy period, while occurrence policies cover incidents that happen during the policy term regardless of when they're reported.
Am I covered if I administer oral sedation?
Yes, our professional liability insurance includes coverage for oral conscious sedation when administered within your scope of practice and training.
Do I need two policies for practicing in multiple states?
Our policies provide nationwide coverage, so you don't need separate policies for multi-state practice locations.
Why is 'true own occupation' disability insurance important?
'True own occupation' policies ensure you receive benefits if you can't perform your dental duties, even if you work in another profession, protecting your specialized income.
What does workers compensation cover for dental offices?
Workers compensation covers medical expenses, lost wages, and legal costs for employee injuries, including needle-stick incidents, ensuring compliance with state requirements.
