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Dental indemnity insurance

For dentists and practice owners

Protect your pockets and your reputation

Sometimes, even the most diligent of dentists can face accusations of negligence or malpractice. When accidents happen, dental indemnity insurance can cover you for claims made against your work. We’ll find you insurance from our panel of leading providers that meets GDC’s indemnity requirements.

  • Indemnity cover up to £10m
  • Vicarious liability cover for practice owners and principals
  • Protect your reputation with PR costs covered
  • Insurance from our panel of leading providers
  • We can find you cover even if you’re rejected by defence unions
  • Flexible payment options
  • Spread the cost of your premiums with 0% interest on monthly instalments for the first year of new policies

Why choose Wesleyan Financial Services?

Traditionally, most dentists and dental care practitioners (DCPs) turn to medical defence organisations (MDOs) or mutual indemnifiers to purchase cover.   

However, most MDOs and mutual indemnifiers will provide cover on a discretionary basis. That means if they choose not to help in a malpractice complaint, you may need to settle the claim from your own pocket.

As a specialist insurance broker, we can provide an alternative solution to defence unions. One that provides certainty around claims settlement and offers more flexibility around your complex cover needs.

Policies tailored to your practice

Through our panel of leading insurance providers, we’ll find you a policy that’s perfect for you and your practice. Giving you peace of mind that you’ll get help with legal fees, compensation payouts and more.

Still unsure on the right policy for your practice? See our comparison table for the difference between insurance and cover from defence unions.

Group and corporate indemnity cover

If you’re a practice owner, you’ll know that any errors or accidents from your staff can put your business at risk. We can find you a group policy that covers all your staff, including associates, hygienists, dental nurses, practice managers and office staff.

For added peace of mind, you can get protected for claims where non-delegable duty of care exists, as well as being held vicariously liable.

What’s covered?

No two practices are the same, which is why our consultants are on hand to offer a range of policy options. You can tailor your cover to only insure what your dental practice needs, including options for:

Type of cover
How it works
Dental malpractice
Cover for clinical negligence, available to employed or self-employed dentists/DCPs
Vicarious liability for practice owners
Extend your cover to clinical and non-clinical employees of the practice
Regulatory defence costs
Covers GDC complaints and hearings, criminal proceedings and PACE interviews
Dental legal reports, evaluating the professional qualifications and activities as an appointed clinical support supervisor
PR firm costs
Protect your professional relationship. This covers the cost of hiring a public relations firm
Court attendance costs
Covering a daily monetary allowance for attending courts
For liability arising out of any dental legal report written by you
15 years run off
In the event of retirement, permanent disablement or death
Cyber events
Cover to protect against security breaches, data breach and financial loss

What’s not covered?

Unfortunately, dental indemnity insurance can’t cover everything. Here’s what isn’t included:

  • Matters that you don't tell us about before we agree to cover you
  • Any matter which relates to decisions you've made as a director or key decision maker of the business that impacts how treatment is carried out
  • Any injury to your employees
  • Your failure to register with a statutory regulator

Frequently asked questions

  • Who are the insurers?
    We have a panel of A-rated insurers with capacity provided by certain syndicates at Lloyd's of London and other insurers.

    The individual underwriters are highly experienced and have been involved in dental and healthcare indemnity for many years. Policies aren’t dependent on one insurer. Others may be introduced to strengthen an offering or to preserve cover and pricing.
  • How much am I covered for?
    This depends on the policy you hold, but our insurers offer limits up to £10m for clinical negligence claims. You can let us know if you require more cover when you request a quote.
  • What happens if I retire or die? Are my family and estate protected?
    Yes, your policy will continue for a further 15 years after you retire or die. This is known as an extended reporting period and is included in the standard policy with no additional premium.

Important information

Please note that limits, exclusions and charges do apply.

Full terms and conditions of the policy and cover, including benefits and exclusions, will be provided when you get a quote.

Risk must be acceptable to underwriters at normal terms.

Wesleyan Financial Services Ltd is a broker and our insurance products are provided by a number of insurers. Premium finance is provided by Premium Credit Ltd.

Key documents

Before you apply for dental indemnity insurance, you should read the following document: