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Dental Indemnity Insurance
Long-standing provider of Dental Indemnity Insurance and support to Dentists
Dental Indemnity Insurance
Even the most skilled, experienced and diligent dentist can make a mistake or misjudgment. Dental Indemnity Insurance is an essential insurance for all dental care professionals. It’s mandatory to declare that you have this necessary cover in place in order to register or renew with the General Dental Council. It insures you for acts or omissions during your professional duties that lead to claims from patients, and will cover court costs, fees and settlements. Certain providers, All Med Pro included, will also offer dento-legal advice and support throughout your policy cover, which could prove invaluable in the event a claim is brought against you.
Experts in Dentistry & Dental Indemnity
All Med Pro have provided Dental Indemnity Insurance for around ten years, although the founders of the business have supported dentists for many more years.
We have always looked to use collaborative innovation, working with our key dental partners and clients, to improve the Dental Indemnity landscape. We have done this with the sole aim of enhancing the cover and support available to dentists and increasing competition through improved premiums across the industry.
We don’t just provide cover. One of our key strengths is our ability to bring together experts in their field so that our clients have the benefit of a 360° blended support service. This includes exceptional insurer partners, a large team of lawyers that are vastly experienced with supporting our clients with both dental negligence and regulatory cases, and we also have experienced dentists that are dual-qualified as dento-legal advisers.
Reassuringly Agile Dental Indemnity Insurance
One of our core strengths is that we can adapt to fast-changing situations within both the Insurance sector and our client’s own industry.
This enables us to continue providing high standards of policy coverage and support levels.
An example of this is the innovative solutions we provided to our clients whose business activities been badly impacted by the Covid-19 where we provided extended periods of credit, reduced monthly instalments and free policy / renewal extensions.
Why choose All Med Pro for your Dental Indemnity cover?
- Policy coverage can be arranged on an occurrence or claims made basis. This is very different to most other providers! It means the advice we provide is not biased to one basis of coverage and is always tailored around what is best for our client.
- We protect the reputation of our members when their performance is called into question by way of a contract of insurance. We are not a discretionary indemnity provider.
- As a leading and long-standing indemnity provider to dental professionals in the UK, All Med Pro provide some of the broadest covers of dental indemnity policies available.
- Our schedules, certificates and supporting documentation is provided in clear, plain English ensuring you know exactly what is and, as importantly, what is not covered.
- We have a dedicated and experienced team that includes qualified dento-legal advisors who are experienced dentists. This means dental professionals deal with a person who knows your sector inside out and understands its challenges. If you need to make a claim, they will be able to discuss the strengths and weaknesses of your claim and then work with us and you on the best way to proceed.
- We will work on your behalf, by providing proactive support and mitigation measures, to minimise the cost of a covered liability claim and any potential damaging consequences at the time, as well as in the future.
- If you are part of a corporate, group or a member of a professional body such as the BDA further premium discounts can be applied.
For those looking for information regarding our Dental Nurse & DCP Indemnity Insurance – please follow this link.
Our Dental Indemnity Insurance Cover
- Dental Indemnity cover on a Claims Made or Claim’s Occurrence basis.
- Nil excess available
- Regulatory support and representation in the event of an investigation, inquiry or disciplinary proceedings, such as a GDC enquiry or Fitness to Practise.
- A+ Rated insurer with S & P
- Policy includes Breach of Professional Confidentiality.
- Policy includes in place for public relations to mitigate any reputation damage following an insured event.
- Good Samaritan cover.
- Automatic Run-Off Cover on Claims Made policies
The above is subject to underwriting criteria.
Simple, safe and secure applications online.
Financially Strong & Secure Insurers
We only work with Insurers with the highest, independently verified financial strength ratings (utilising agencies such as Standard & Poors and AM Best).
Our core Dental Indemnity insurer, Axis Capital, has a total of $7.4B in Capital and $25.6B Total Assets (as of December 2020). By comparison and for context purposes, Medical Protection Society has £2B of net assets available (as per 2019 Annual Report & Financial Statements).
Dental Indemnity – The difference between Claims Made or Claims Occurrence
Claims made Insurance policies only respond to patient complaints and claims that are first notified during the period of insurance. Usually once the policy ends, coverage ends.
Claims Occurrence policies respond to patient complaints & claims that arise following treatment or advice given during the period of insurance, regardless of how far into the future that might be. So even if the policy is no longer in force cover will be in place.
All Med Pro provide both claims made and claims occurrence coverage, so you can rest assure that our advice provided to you is always impartial and based around your specific needs.
The Difference between Contract Certain or Discretionary
With Contract Certain coverage, you are provided with cover that is legally binding with the “contract” in the form of a policy schedule or certificate being issued. This document sets out the terms and conditions of cover, detailing what is and what is not covered.
Discretionary indemnity – As the title suggests, provides cover on a discretionary basis and therefore members have no contractual guarantee that a claim will be accepted or paid. Discretion can be exercised at any time to limit or withdraw assistance.
Indemnity Insurance – Choosing Price or Value
With an indemnity insurance policy that can potentially protect your career and reputation, it is vitally important to look beyond just the price. This may include policy covers or additional service tools designed to support you in respect of both reducing the risk of claims arising and guiding you through the process if claims do come in.
It is important to remember that not all indemnity insurance providers offer the same level of cover within their policies or added support, so identifying these areas early can really help.
We want to ensure the advice and support we provide you not only supports you now, but for many years into the future and identifying your key requirements is a fundamental part of our service to our clients.
So you can be confident that you’re fully protected, here is some further guidance on finding the right policy for you
Risk Management and CPD
We have been supporting the Dental profession since 2011. The importance of risk management has never been so important as it is now. Those Dental professionals that understand the risks they face on a daily basis are more likely to prevent issues arising or mitigate their impact when they do occur.
This is why we are pleased to provide all our indemnity insurance clients with verifiable CPD provided by our partner ProDental.
Dental Indemnity Insurance Common Questions
Dental indemnity insurance provides essential protection for dental professionals against claims of malpractice or negligence brought by patients. It helps cover legal costs, damages, and other associated expenses, offering peace of mind and financial security.
As a dental professional, you face potential risks and liability issues during your practice. Dental indemnity insurance ensures you are protected in case of any unexpected claims or complaints, safeguarding your reputation and career.
Our dental indemnity insurance policy covers a wide range of aspects, including but not limited to:
- Professional negligence claims
- Allegations of malpractice
- General legal expenses
- Regulatory and disciplinary proceedings
An occurrence policy has lifetime coverage for the incidents that occur during a policy period, regardless of when the claim is reported. A claims-made policy only covers incidents that happen and are reported within the policy’s timeframe.
Contract certain Indemnity refers to medical malpractice insurance that is covered by a contract. This is the type of cover we offer at All Med Pro. The terms of the contract will set out conditions in relation to the maximum amount of cover provided and will detail situations that will not be covered by the contract, unlike discretionary policies where there is no guarantee that a claim will be accepted.
The cost of a dental indemnity insurance policy can vary depending on several factors, such as the level of coverage needed, the type of work you carry out and your claims history. It is best to contact All Med Pro directly or fill in our quote form to obtain a quote for dental indemnity insurance.
Yes. It is a legal requirement for all dental professionals to have adequate and appropriate indemnity in place for their work. You should obtain and retain a valid certificate of individual indemnity from dental professionals working at your practice.
Dental nurses must have indemnity to practise and will be asked to declare they have appropriate arrangements in place when they join the GDC register or renew their registration.
Put simply, Professional indemnity covers claims made by your clients. Public Liability covers claims from anyone except employees.
Yes, we offer a seamless transfer process for dental professionals looking to switch their indemnity insurance providers. Our team can assist you in making a smooth transition and ensuring you get the coverage you need.
Choosing the right level of coverage depends on various factors, such as your practice type, patient volume, and risk exposure. Our experienced advisors are available to help you assess your needs and recommend the most suitable coverage.
Upon retirement or cessation of practice, you may require what is known as “run-off” or “tail” coverage to protect you against potential claims arising from past incidents during your active practice. Our advisors can guide you through this process.
Run-off coverage protects you for a limited time even after you’ve left the dental field in case any claims are formulated against you by previous patients. In most situations, medical malpractice insurance ends when you exit the medical profession. Run-off coverage is used as a precautionary measure to provide you with extra peace of mind in the event a former action, event or patient alleges malpractice against you. This coverage is only applicable to claims-made policies. You have no requirement for run-off cover with claims occurrence policies.
Can you cover me if I have had successful claims or disciplinary action brought against me in the past?
If you have had claims or disciplinary action brought against you in the past, All Med Pro may still be able to offer you coverage. We will need to review the specifics of your situation and assess the level of risk involved. The cost of your insurance policy may be higher than it would be for someone without a history of claims or disciplinary action, but we will work with you to find the best possible coverage at a competitive price.
In the event of a claim, our claims process is straightforward and designed to support you during challenging times. You can find detailed instructions and contact information on our website to initiate the claims process promptly.
At All Med Pro, we pride ourselves on our dedication to exceptional customer service, tailored coverage options, and an in-depth understanding of the dental industry. We strive to provide personalised solutions that meet the unique needs of dental professionals, setting us apart from the competition.