Dental Malpractice Cover
Malpractice cover for dental professionals — insurance-backed protection with access to Dento-Legal support.
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Tackling the indemnity issue
With any aspect of healthcare delivery, the issue of clinical negligence protection needs to be addressed. In an age of easy-access litigation, practitioners take steps to avoid the immense costs involved in defending a legal action — but malpractice cover costs are soaring, with dental defence organisation membership rates becoming prohibitively expensive for some.
GDC indemnity requirements for dental professionals were updated in June 2016, highlighting the importance of knowing what cover is held, and being able to provide evidence of that cover.
The onus is now on the individual to ensure they are appropriately protected against the cost of compensation owed to a patient in the event of a successful claim. Likewise, the business entity (the practice) must also ensure it is protected in the event of a claim against it.
Malpractice Insurance for Dental Professionals
MIAB offers competitive Dental Malpractice cover for Dentists, Dental Nurses and Technicians, and the business entity as a whole.
Its insurance-backed solution provides you with peace of mind, knowing there is a contractual obligation to provide you with assistance, as opposed to the discretionary cover from dental defence organisations.
The policy includes access to full Dento-Legal cover, which includes access to a 24/7 Dento-Legal helpline as standard.
Due to its strong knowledge of the market and relationship with underwriters, MIAB also has the ability to source bespoke terms for dental professionals with previous claims or disciplinary actions made against them.
MIAB’s policy works on a ‘claims made’ basis, which means it responds to claims that are first made against you and notified to insurers during the period of the policy and the run-off period. As litigation is often directed at businesses, the policy is also available on an ‘Entity’ basis to the practice.
Reviewing your existing cover
Is it discretionary cover or insurance-backed?
Ask your current provider whether cover is discretionary or insurance-backed with a contractual obligation to assist.
What is your own personal limit of indemnity?
Confirm your personal limit of indemnity remains appropriate for the work you undertake.
Is there a penalty for using the Dento-Legal helpline?
Check whether using advice lines affects premiums or excesses.
Do premiums increase every year, despite being claim free?
Compare how your current provider prices renewals for claim-free members.
Does the practice have entity cover?
Ensure the practice itself is protected against claims made against employees.
What would happen if a claim occurs?
Understand the claims process, notification requirements and support available.
Our expert advisers will help you choose the most suitable policy
MIAB’s Specialist Insurance Advisers are happy to guide you through these questions and compare your existing cover with their policy. For more information about Dental Malpractice cover for Dentists, Dental Nurses and Technicians, and Dental Practices, please contact our Specialist Advisers.