Dental Indemnity Insurance for Dentists and Practice Owners

Benefits of Dental PI:

  • Dental malpractice - cover for clinical negligence, available for dental practitioners which meets GDC's adequate indemnity requirements
  • Legal defence costs - cover up to £250,000
  • Nil excess - as standard on Medical Malpractice Claims
  • Reputation - covers the cost of a public relations firm to protect your professional reputation
  • 24-hour dental legal helpline - provides clinical assistance and support
  • Flexible payment options - includes monthly instalments at competitive rates
  • Rejection by defence unions - We can help source cover for professionals
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  • £100 John Lewis vouchers1
    When you purchase qualifying Dental PI
  • Spread the cost of your premiums
    0% interest on monthly instalments for the first year of new policies.  It may help your cash flow
Why choose us?

Tailored indemnity insurance for dentists, practice owners and dental professionals

Wesleyan Financial Services understands that most dentists and dental care practitioners (DCPs) turn to the traditional medical defence organisations (MDUs) or mutual indemnifiers to purchase cover.   

However, most MDUs and mutual indemnifiers will provide cover on a discretionary basis - which means if they choose not to help in a malpractice complaint, you may find that you may need to settle the claim from your own personal assets.  

As a specialist insurance broker, Wesleyan can provide an alternative solution to defence unions. We can offer dental indemnity insurance that can provide more certainty around claims settlement and offer more flexibility around more complex cover needs.

Dentists can be vulnerable to allegations of negligence or failing in their professional duties, no matter how diligent they think they have been. 

That's why it's important that you have the right indemnity cover in place to cover legal
costs or any payouts awarded, should a patient want to get compensation for personal injury following their treatment and care.

Dentists Professional Indemnity Insurance provides dental defence indemnity for professional negligence claims, or allegations of malpractice, received against a dental practitioner in the course of their professional duties.

Who can get dental indemnity insurance?

It's available to:

  • Dentists
  • Practice Owners
  • Dental Care Professionals

Whether you have a good claims history or a poor one, facing disciplinary actions or not, carry out general dental work or more specialist treatments like dental implants and facial aesthetics, our account managers will tailor the solution for you or your practice.

We have teamed up with insurers specialising in malpractice insurance and the policy on offer meets the GDC registration requirements.

What's covered:

  • Dental malpractice cover - for clinical negligence, available to employed or self-employed dentists/DCP's and distressed dentists
  • Specialist cover - source cover for those that have been declined by traditional indemnifiers
  • Vicarious liability for practice owners - extend cover to clinical and non-clinical employees of the practice
  • 24-hour dental legal helpline - providing you with clinical assistance and support when faced with complaints
  • Regulatory defence costs - cover GDC complaints and hearings, criminal proceedings and PACE interviews
  • Indemnity cover to include - dental legal reports, evaluating the professional qualifications and activities as an appointed clinical support supervisor
  •  Protect professional relationship - cover cost of a public relations firm
  •  Court attendance costs - covering a daily monetary allowance for attending courts
  •  Defamation cover - for liability arising out of any dental legal report written by you
  • 15 years run off cover - 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:

  • Any matter known by you which you don't tell us about before we agree to cover you
  • Any matter which relates to decisions made by you 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

Limits, exclusions and charges do apply

Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary.

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.


My Dental Defence Organisation (DDO) tells me either their cover is wider because it is discretionary indemnity, whereas this will be a contract of insurance?

This is a highly regulated insurance product and the cover afforded has been reviewed to ensure you have broad and appropriate cover under a legally binding contract.

Discretionary cover is, as its name suggests, left to the discretion of the DDOs, meaning that you will only be able to determine if you are covered at the time you receive a claim for damages or are subject to a disciplinary hearing when you are most vulnerable.

How does the scheme compare to the cover provided by a dental defence organisation (DDO)?

We offer an insurance policy which provides you with a broad cover under a legally binding contract. We believe that the various sections of policy cover and the robust claims & helpline services provide you with a comprehensive solution to your needs.

Please refer to the Key Facts Document and the policy wording for full details.

Who are the insurers and how can I be certain of their long-term commitment?

We have chosen 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. All parties have confirmed their long-term commitment to insuring the dental profession.

The policy offered is not dependent on one insurer, others may be introduced in future to strengthen the offering or to preserve the optimum coverage and pricing.

Is malpractice insurance competitive?

Insurers have taken the time to listen to the dental team, review statistical data and understand the challenges facing you in your profession. Insurers underwrite policies based how well clinical risks are managed and the patient care.

This means prices vary between dentists, practices and the type of work undertaken. Prices will be favourable for routine tasks and well managed risks compared to high risk treatment like implants and surgical procedures.

How do I get help in the event of a patient complaint?

We understand that first rate support is paramount in the event of a problem. A dedicated 24-hour dental legal helpline is available, providing immediate expert advice.

Both dental and legal professionals will be on hand to ensure that any matter can be dealt with quickly, effectively and empathetically.

What happens if I retire, or in the case of death - are my family and estate protected?

Yes, policy cover continues in the case of death or retirement for a further 15 years. This is known as an extended reporting period and is included in the standard policy with no additional premium being due.

How much am I covered for?

The maximum payable by the insurer with regards to all claims, losses and damages shall not exceed that which is stated on the policy schedule (the aggregate limit). The Dental Malpractice section has a standard limit of GBP 5,000,000 for any one claim and in the aggregate in any one policy period.

Insurance v Defence Unions

  Defence Unions Insurance
 Cover Basis Discretionary - in the event of a claim of negligence against the dentist a defence organisation may, at their discretion decide which claims to support, how much to pay out etc. Contractual - cover is accompanied by a policy wording that is enforceable at law, so dentists are clear from the outset what will and won't be covered by the insurance provider.
 Who can get cover Individual Dental Practitioners Individual Dental Practitioners or purchase as a group policy by the practice owner(s) for all dental staff (clinical and non-clinical).
 How cover is purchased Cover purchased alongside membership of the defence union From a specialist insurance broker or in some rare instances direct insurer.
 Limits on cover There is no limit and the provider will apply discretion. A limit (usually £1m - £10m) is agreed at start of the policy and will be subject to excess.
 Period of cover Typically offered on a 'claims-occurring' basis. Typically offered on a 'claims-made' basis requiring run-off cover.
 Financial Security No regulatory requirement for an indemnity provider to hold adequate reserves to meet expected future claims, and capital to absorb unexpected risks. An authorised insurance provider (including a UK insurer) must comply with prudential regulatory requirements. The FCA prudentially regulates insurance intermediaries, for example, around protecting client money.
 Financial Conduct There is no regulatory requirement for a provider of discretionary indemnity to adhere to financial conduct regulation around treating customers (members) fairly in respect of the discretionary indemnity provided. A UK insurer is required to comply with financial conduct regulation around the FCA's Principles for Businesses, including a requirement to treat its customers fairly. The FCA is the financial conduct regulator for UK insurers.
 Complaints and Compensation A healthcare professional would not be eligible for the Financial Services Compensation Scheme in the event that their indemnity provider declined to exercise its discretion to assist them or was otherwise unable to cover claims. Insurance policyholders are eligible for compensation from the Financial Services Compensation Scheme (funded by a levy on insurers) if an insurer is unable, or likely to be unable, to pay claims against it. This provides policyholders with financial protection in the event of a failure with their insurer. Insurance policyholders additionally have access to the Financial Ombudsman Service in the event of a dispute with an authorised insurance firm that is still trading.
Important information

Before you apply for Dental Indemnity Insurance, we recommend that you read the following document:

Commercial - Terms of Business Agreement

£100 John Lewis vouchers for Dental Professional insurance:

1) Available to those customers receiving a new surgery insurance policy from Wesleyan Financial Services. This offer is not available for policy renewals or for surgeries that have held or placed Dental Professional insurance through Wesleyan Financial Services within the last 12 months.
2) No cash alternative is available.
3) Only one voucher per surgery or group of surgeries permitted.
4) Offer available until 31 December 2021 or until £6000 worth of vouchers have been issued. The voucher will be posted out via recorded delivery to the address given on application within 60 working days of an eligible insurance sale being completed.
5) Employees (or their family members) of Wesleyan Assurance Society or any of its group companies, its agents and anyone professionally connected with the promotion are not eligible.
6) Alternative vouchers to the same value may be provided at Wesleyan's sole discretion.
7) This offer cannot be used with any other offer or promotion subject to the below offers and promotions.
8) The administrator and promoter of this promotion is Wesleyan Financial Services Limited.
9) Wesleyan Financial Services accepts no liability for delays or other unforeseen circumstances relating to the postal service.
10) Complaints should be addressed to Complaints Team, Risk and Regulatory, Wesleyan Assurance Society, Colmore Circus, Birmingham, B4 6AR.
11) Wesleyan Financial Services reserves the right to withdraw this promotion at any time due to events beyond its control.
12) These terms and conditions and this promotion shall be governed in accordance with English Law and subject to the jurisdiction of the English courts.
Limits, exclusions and charges do apply.

Full terms and conditions of the Dental PII policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary.

'WESLEYAN’ is a trading name of the Wesleyan Group of companies.

Wesleyan Assurance Society and Wesleyan Bank Ltd are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Wesleyan Financial Services Ltd, Wesleyan Unit Trust Managers Ltd, Practice Plan Ltd and DPAS Ltd are authorised and regulated by the Financial Conduct Authority.  Advice about investments, insurance and mortgages is provided by Wesleyan Financial Services Ltd.

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