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Dental Indemnity Claims Made Policy Documents: Dentists Years 3-5
Our easy to read policy documents mean that you know exactly what you’re covered for.
Dental Indemnity Insurance General Questions
All of your certificates can be found on the Client Area of the website under ‘My Account’.
An occurrence-based policy provides indemnity for treatments provided during that policy period. If an incident took place during the policy period, the insured will be covered irrespective of when the claim is made – which could be many years into the future.
A claims-made policy provides coverage for claims received during a specified period – which is usually the duration of the policy. Beyond that the cover ends. In order to maintain cover for potential new claims the policy will need to be renewed for as long as any potential new claims might be raised – the period for which is usually likely to be dictated by the Statutes of Limitations.
We work with all dental professionals and cover any questions around claims settlement
For more information about the liability insurance offered at AllMedPro please speak with a member of our team
If you have had occurrence-based indemnity from an MDO up until now, you will still have a right to apply to them at any time in the future to request discretionary assistance and indemnity for any new matters that surface in the future.
If you are concerned about the discretionary nature of the MDO it is possible to cover that period with your new provider.
It is important to really understand the main difference between claims occurrence and claims made coverage when switching providers.
Dental Indemnity is vital; When a patient makes a claim (in some cases negligence claims), it is increasingly likely that they may also pursue a company (or owners), as well as an individual dentist. The company is a legal entity and could face legal action itself. You will also find that NHS contracts may require such cover to be in place. You therefore need to ensure that your business has indemnity cover itself. This is also known as vicarious liability, entity cover, corporate indemnity, corporate medical malpractice or contingent liability.
All Med Pro is a trading style of All Medical Professionals Limited who are authorised and regulated by the Financial Conduct Authority
We are unable to advise whether you can or cannot return to practice.
However, it is important to understand the basis of your indemnity policy. Your policy provides coverage for negligence arising in the course of treatment. This coverage is subject to you following the guidance of your regulator and professional bodies.
Any claim or loss directly or indirectly due to any act, breach or omission you deliberately or recklessly commit, condone or ignore would be excluded.
To summaries coverage will be in place as long as you follow the guidance of your regulator, professional bodies and of course adhere to any other terms within your policy.
Under all insurance and indemnity policies the policyholder has an obligation to mitigate risk as much as possible in order to be covered should something go wrong. Therefore, when returning to practice we would expect each practice owner to follow the guidelines set out by the competent authorities in actively mitigating the risk within the practice as much as possible.
Failing to follow the advice of all competent bodies and minimise all of the risks could result in the insurance policy being invalidated and a claim being repudiated.
Again, coverage will be in place as long as you follow the guidance of the regulators, professional bodies and adhere to other terms and conditions of your insurance policy.
As part of your risk management, it is vital you check the inspection status of your pressure vessel systems. The HSE advice is that the overarching legal obligation remains. i.e. ensure that equipment is safe to use. If you require any assistance in arranging an inspection please contact us.
For more Dental Indemnity advice please speak with a member of the AllMedPro team
We believe in terms of cover choice All Med Pro provide more than any other indemnity provider. The medical indemnity insurance policy can be written on an occurrence-or claims made contractual basis and we can provide retrospective cover for the time you were with an insurance provider or MDO. Most provides only provide one basis of cover. Not every dental professional is the same!
Need to make a Claim?
If you think you may need to make a claim on any type of policy and you need to speak to someone our friendly team are available between the hours of 830am and 500pm on 0203 7576950 or email: [email protected]. Please note the email address will only be monitored during office hours, if it is outside of office hours a member of our team will get back to you the next working day.
Out of Hours incidents
In the case of an emergency, when you require immediate assistance please refer to your policy wording to obtain your insurers claim telephone number. Your policy wording will be located within the ‘Your Account’ section of our website.