When accidents happen, dental indemnity insurance through Wesleyan Financial Services can provide cover for claims made against your work.
- We can find cover even if you’re rejected by defence unions
- Get cover for all your staff, including associates
- Indemnity cover up to £10m for individuals and from £1m for group and corporate policies
- Protect your reputation with PR costs covered
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We find cover with more bite
Traditionally, most dentists and dental care practitioners turn to Dental Defence Organisations (DDOs) and mutual indemnifiers to purchase cover.
However, most DDOs and mutual indemnifiers will typically only offer discretionary cover. While this often works well, it means that they ultimately decide who and how to assist with a malpractice complaint, including any claim settlements.
Ultimately, the level of coverage you receive may be subject to the provider’s discretion at the time of the claim. So, if they choose not to help in a malpractice complaint, you may need to settle the claim from your own pocket.
If you’re looking for cover with more bite, Wesleyan Financial Services can find a policy for you to provide more clarity and control. You’ll choose your coverage levels upfront, so you have greater certainty about potential pay outs.
What’s more, you’ll be able to spread the cost of your policy with 0% interest on monthly instalments for the first year. Eligible Wesleyan members can also get 20% off the cost of their premium.
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 tailor your cover to your needs, including options for:
- Dental malpractice
- Vicarious liability for practice owners
- Regulatory defence costs
- Indemnity
- PR firm costs
- Court attendance costs
- Defamation
- 15 years run off
- Cyber events
Cover for clinical negligence, available to employed or self-employed dentists/dental care professionals.
Extend your cover to clinical and non-clinical employees of the practice.
Covers General Dental Council (GDC) complaints and hearings, criminal proceedings and PACE interviews.
Dental legal reports, evaluating the professional qualifications and activities as an appointed clinical support supervisor.
Protect your professional relationship. This covers the cost of hiring a public relations firm.
Covering a daily monetary allowance for attending courts.
For liability arising out of any dental legal report written by you.
In the event of retirement, permanent disablement or death.
Cover to protect against security breaches, data breach and financial loss.
What's not covered?
Bear in mind that 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
Important information
Things to know before you apply
Wesleyan Financial Services Ltd is a broker and the insurance products we arrange are provided by a number of insurers, for which we normally receive a commission.
In addition, when you pay your premium by monthly instalments, you will be introduced to Premium Credit Ltd, for which we also receive a commission.
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.
Key documents
Before you apply for cover, you should read the following documents:
Frequently asked questions
We have chosen a panel of A-rated insurers, including capacity provided by certain syndicates at Lloyd's of London - an insurer that has been around for over 300 years. 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.
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 indemnity section has a standard limit of up to £10,000,000 depending on the need and insurer we agree at the time of application and is for any one claim and in the aggregate in any one policy period.
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 on 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. As an indication and subject to experience, the personal indemnity insurance with our partners Densura for a dentist providing 100% General Dentistry, 0 claims, 35 hours/ week and 100% of work within corporate group, you can expect an approximate annual premium of £2,500 exluding Insurance Premium Tax (IPT).
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.
We have two options which we will discuss with you at the time of quotation. One is a claims-made policy, which 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 (known as run-off cover).
The second is a claims-occurred policy and is covered on a perpetual basis – no run-off cover is needed, which means it doesn’t matter when the claim occurred, provided you had indemnity in place at the time, you will be covered.
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Insure yourself
Get an instant quote from our insurance partners at Densura.
If you're a Wesleyan member, you'll be able to claim 20% off the price of your premium once your policy is accepted. Terms and conditions apply.
Give us a call on 0800 231 9813 to claim 20% back.