Dental practice insurance

You are required to have employers’ liability insurance if your business has employees. The requirement applies irrespective of whether your staff are full or part time. The insurance covers your legal liability to employees if they are injured at work or become ill as a result of the work they do for you. The policy will cover your legal defence costs and will pay compensation to the employee if you have been negligent.

To provide theft cover your insurer will require a minimum level of security on your premises. This will include, for example:

• Five lever mortice deadlocks complying with British Standard 3621 on all final exit doors.

• Key operated window locks to be fitted on all ground floor and accessible opening windows.

Please refer to your policy wording for full details as the requirements can vary according to the type of door and windows you have. This will not apply to any door or window officially designated a fire exit by the Fire Authority.

Our policy provides 24/7 cover worldwide covering a wide range of activities. If your staff member’s hobbies and activities are more adventurous than tennis or football, just let us know and we can cover most activities from scuba diving to skiing.

If a member of staff returns to work within 26 weeks of an absence and the same condition re-occurs, the same claim can continue with a nil week excess period.

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).