What dental indemnity insurance covers
Dental indemnity insurance cover includes acts or omissions in the course of your professional duties. This can include injury, delays in referral, misdiagnosis, physical or mental harm to a patient. Cover is also provided for declared private work in addition to NHS work. It doesn’t cover against incidents that occurred before the life of your policy.
Industry-wide dental indemnity cover
Depending on your profession and circumstance your policy can arrange for advice, assistance and representation at proceedings including a disciplinary committee of a professional body e.g. GDC; health authority; health board or primary care trust; service complaint proceedings or NHS tribunal; inquest proceedings or fatal accident inquiry.
'Run off' dental indemnity insurance
Your dental indemnity insurance policy will have a retroactive date of inception and offers protection from the inception date going forward. If you have held a claims made policy previously, we approach insurers to also include this period of time in addition. 'Run off cover' is also required when you stop practicing, to ensure your historical liabilities remain protected in the event of a claim.
Legal expenses covered as part of your dental indemnity insurance
Our dental indemnity insurance policies automatically come with legal expenses cover that insures you against the costs of legal or professional representation incurred in scenarios such as fitness to practice defence (including pre-hearing representation); criminal defence; coroners' inquests; regulatory compliance; employee extra protection; and court attendance costs, as long as there are reasonable prospects of success. There is also access to free, 24-hour legal, tax and stress counselling telephone advice services.
