Dental indemnity insurance

What insurance do dentists need?

Although individual treatments vary, the risks are more or less the same. Dentists, hygienists, dental technicians, orthodontists and so on all need the same kind of protection, whether self-employed or a practice owner.

Unhappy patients will claim injuries, wrong diagnosis, inadequate care, or anything else they feel has gone wrong, as your fault. This means allegations of professional negligence and dental malpractice against you. If that sounds serious, it is. It’s also stressful, time-consuming and very expensive.

Dentists’ indemnity insurance covers the legal costs to defend you and, if it comes to it, the damages you have to pay. Other than providing the right info to your insurer, you don’t have to get involved. Painless, even if your patient doesn’t agree.

Aside from that, you’ll need contents and equipment insurance. You can’t do much without what you use and having to replace it all in one go following, say, a fire will cost a fortune.

Visitors to your practice should be protected by public liability insurance. This means injuries and damages caused by slips and trips won’t come back to bite you.

Any customer data stored electronically is vulnerable to cyber criminals. The consequences of a cyber-attack are a tangled mess of GDPR regulations, IT security, PR fire-fighting and personal data recovery. Cyber insurance can’t stop an attack but it pays to fix the fallout from one, getting your practice back on its feet quickly.

If you have any employees, they’re protected by employers’ liability insurance. It’s a legal requirement for any UK business with staff, even if that’s just one other person and regardless of whether they’re part-time or full-time, temporary or permanent, paid or unpaid.

Is this insurance approved for GDC registration and revalidation?

Yes.

GDC investigations are one of the most feared and stressful parts of being a dentist, and it’s essential you get the right support from the start. Having an expert on your side, providing the right information and evidence at the right time, can mean the difference between an investigation going nowhere or not.

This insurer behind this policy, CFC, is the only insurer to actively take part in the GDC leadership network. So, if an investigation, inquiry or disciplinary proceeding does go further, you know you’ll get the kind of legal support and expert guidance you need.

What types of dentistry do you cover?

As well as general dental practice and hygienist work, this policy covers specialisms such as:

• Dental and maxillofacial radiology
• Dental public health
• Endodontics
• Oral and maxillofacial pathology
• Oral medicine
• Oral microbiology
• Oral surgery
• Orthodontics
• Paediatric dentistry
• Periodontics
• Prosthodontics
• Restorative dentistry
• Special care dentistry

If you want to check we can cover you, please call a friendly expert on 0345 561 0320.