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Practice Insurance Policy Documents
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Practice Insurance General Questions
All of your certificates can be found on the Client Area of the website under ‘My Account’.
When a patient makes a claim, 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.
Most dental practice insurance policies would cover the dental surgery premise if freehold, the dental practice contents and specialist equipment such as dental chairs. The main perils covered by dental surgery insurance include fire, theft, flood and storm damage.
Yes. Most providers will include nurses on the individual or business policy on request. This will cover the named nurses employed by you for negligence claims, complaints and GDC regulation.
Contrary to many other providers in our view the inclusion of dental nurses under the individual dentist or business policy is not in the best interest of the dentist, business owner or dental nurse for the following reasons:
- As additional Insured’s these persons would be bound by the policy conditions, breach of which by any individual could invalidate the entire policy,
- Should a claim be made against a dental nurse it could affect the dentist or business owner claims record, for which they could pay for many years following, including after the dental nurse has ceased working or left the establishment.
- If the individual has their own cover wherever and for whoever they work for, and the comfort of knowing that cover is in place even after they leave their employer/Insured. The Insured is also safe in the knowledge that should a claim be made against an individual it won’t affect their claims record, for which they could have to pay for many years following, including after that nurse has ceased working for the establishment.
- In the event of a dispute between the Insured and a dental nurse as to where the blame lies, both parties would be protected equally under the policy. The insurer would not simply be able to side with the entity because a joint Insured has equal rights. In a complex situation it could be expensive for the Insured to resolve this.
- If the Insured ultimately discovers that the individual was not up to their high standards and refused to continue to use him/her, they would be stuck with an unfortunate legacy if they had consented to cover him/her under their policy.
- All claims costs and payments, whether the fault of the Insured or the dental nurse solely, would count against the claims record and would be fully disclosable to all future Insurers (these claims statistics influence premium calculations).
For the above reasons we believe provide a separate standalone policy for the nurses or individual policies for the nurses as this advantageous for both the insured and dental nurse.
Yes – most dental surgery insurances automatically cover includes, employer’s liability, public and products liability. Including the following extensions:
- Terrorism
- Indemnity to Principle
- Unsatisfied court judgements
- Health and Safety at Work Act 1974 – Legal defence costs
- Court attendance
Yes – Practice Insurance is crucial. Not only does it offer you peace of mind, but it also keeps you compliant with CQC and statutory requirements.
As an employer, you have a legal obligation to hold Employer’s Liability Insurance. It is also essential to have your pressure vessels inspected on a regular basis. It is also vital to protect yourself with Public Liability Insurance (and, in some cases the CQQ will insist on this). All reputable surgery insurance policies will include Employer’s liability as standard.
Business Interruption helps cover the loss of revenue and expenses if the dental practice or the dental surgery is temporarily shut down for example in the case of a severe weather event, fire, smoke and water damage, vandalism, theft resulting in damage, burst pipes, structural repairs, long-term loss of utilities.
Tenants Improvements insurance will cover you if you rent or lease a property and have spent money improving or refurbishing the property. For instance, built a new stud wall or put in suspended ceilings.
If you are the leaseholder of the Dental Practice, you may be interested in including Rent Payable cover. This will ensure that your monthly rent will still be paid to the landlord if you are not able to trade at the premises due to an insured event such as fire, flood etc.
Yes – they would be covered in the event of damage, explosion, and legal liability at your dental practice. If you require inspection of the items, this can be arranged under a separate contract.
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.