Business Details
27 Years
experience
Trusted Dental Insurance Solutions in Boise, Idaho
Professional Benefits & Insurance & Insurance was founded in 1999 with a specialized focus on serving dental professionals. Our agency became the exclusive agent for the Professional Protector Plan for Dentists in Idaho and Utah in 1970, offering tailored insurance solutions that address the unique risks faced by dental practices. We provide comprehensive coverage including professional liability, workers compensation, disability, and life insurance, all backed by partnerships with A-rated carriers.Our team combines decades of industry experience with personalized service to help dentists protect their practices and livelihoods. We prioritize risk management resources and continuing education to empower clients with proactive solutions. With a legacy of trust built over 50 years, we remain committed to delivering customized insurance programs that meet evolving industry needs.
Services
Professional Liability Insurance
Workers Compensation
Disability Insurance
Life Insurance
Business Overhead Expense
Details
- Year established: 1999
Highlights and features
- Exclusive provider of the Professional Protector Plan for Dentists since 1969
- Single-source insurance solutions eliminating multiple provider complexities
- True own occupation disability policies protecting dentists' specialized skills
- Comprehensive risk management resources including CE courses and legal templates
- Partnership with A-rated carriers for financial stability and nationwide coverage
Associations and certifications
- AAIC (A.M. Best A Rated)
Services
Professional Liability Insurance
Our professional liability insurance protects dental practitioners against claims arising from patient injuries or treatment dissatisfaction. This coverage includes defense costs and settlements related to alleged negligence in dental procedures. With policy options up to $2 million per claim, we provide financial protection while maintaining compliance with state licensing requirements.
Workers Compensation
Workers compensation insurance covers medical expenses and lost wages for employees injured on the job. Our program includes unique benefits like needle-stick reimbursement coverage for dental staff. Available in all 50 states with competitive pricing tailored to dental office payroll structures and regulatory requirements.
Disability Insurance
True own-occupation disability policies ensure income continuation if dentists become unable to perform their specialized duties. Coverage extends to practice-related expenses like loan payments and staff salaries during disability periods. Policies provide full benefits even if the dentist works in alternative occupations.
Life Insurance
We offer term, whole, and universal life insurance solutions to protect both personal and business interests. Coverage options help secure family financial stability and business succession plans through death benefit proceeds. Policies can be structured to cover practice buy-sell agreements and key person insurance needs.
Business Overhead Expense
This specialized insurance reimburses fixed practice expenses during disability periods, including rent, utilities, and employee salaries. Designed to prevent practice closure during extended absences, it covers SBA loan payments and other operational costs to maintain business continuity.
People
Eric Elg
Owner
With 20+ years in insurance, Eric specializes in dental risk management. He purchased the agency after Terry Arp's passing and continues serving Idaho and Utah dentists. A University of Idaho graduate, he balances family time with coaching youth sports.
Stephanie Elg
Owner
A CPA with Boise State accounting degree, Stephanie transitioned from corporate auditing to insurance leadership. She manages agency operations while raising twins and maintaining active involvement in local community activities.
Alyssa Hallock
Insurance Agent
Specializing in dental insurance since 2015, Alyssa provides personalized coverage solutions. She combines insurance expertise with passion for client education, balancing work with family life and outdoor activities in Idaho.
Candace Peak
Account Assistant
With decade-long mortgage industry experience, Candace brings meticulous attention to client accounts. She focuses on ensuring seamless policy administration while enjoying pet care and sewing hobbies in her free time.
Terry Arp
Founder
A 40-year dental insurance pioneer, Terry established Utah's program in 1970. His legacy of specialized coverage solutions continues through the agency's ongoing commitment to dental community needs and professional excellence.
Questions
What's the difference between claims-made and occurrence liability policies?
Occurrence policies cover incidents during the policy period regardless of when claims are filed, while claims-made policies require active coverage at both incident and claim filing times.
Am I covered for administering conscious sedation?
Yes, our professional liability policies include coverage for oral conscious sedation procedures when performed within your scope of practice and training.
Do you offer cyber security insurance for dental practices?
Yes, we provide data breach protection covering network security failures, patient record breaches, and associated legal liabilities from cyber attacks.
Can I maintain coverage when changing employers?
Our portable policies for hygienists and assistants follow you between positions, ensuring continuous protection without coverage gaps during employment transitions.
What records retention period do you recommend?
We advise maintaining patient records for at least 7 years post-treatment, with longer retention for minors' records until age majority plus statute of limitations periods.
Is implant placement covered under standard policies?
Implant procedures are covered when performed within your licensed scope of practice, with additional training documentation recommended for specialized techniques.
