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Cover features

Discover all the features that make our cover so special.

See Policy Cover for
detailed wording

 

Employed:

Hospital/community/

university/defence services indemnified

Associate

Practice

owner

 

 

Essential

Extra

Expert

Professional Liability Insurance from RSA

Civil liability in public and product liability claims

Cover for damages where appropriate

 



Defence costs regarding civil liability claims

Cover for all legal costs including experts’ fees

 



Legal representation

We’ll fight your corner and pay expert fees in investigations and inquiries, hearings (inc GDC and disciplinary), tribunals, courts (inc inquests)

   



Crisis management

You’ll have lawyers and/or expert media consultants on hand in the event of a professional crisis, and those costs are covered

   

 


 


HMRC tax investigation expenses

You'll get expert advice and representation in an HMRC investigation

   

 



Whistleblowing

Cover for any consequences of reporting concerns

   

 



Loss or damage to documents

Cover for the costs and expenses incurred in replacing or restoring records

 



Vicarious liability

Cover for acts of omissions of practice colleagues for who you are vicarious liable

 



Nurses covered on your policy

Nurses are indemnified against negligence claims, compliant with GDC regulation

 

 


Cover is available for other clinical practices (implants/cosmetic procedures etc.) No additional cost for sinus lifts or bone grafts

 



Advisory, case management and indemnity support from the BDA

Case management and dento-legal advice

We’ll be the point of contact and manage cases. We’ll liaise with lawyers and experts on your behalf

   


Support with professional disputes

We’ll assist if a colleague has criticised your work

   


NHS contract and performance disputes

We will help with any disputes and investigations

   


Intellectual property (IP) disputes

IP lawyers will advise and represent you to protect your interests

   


Academic and research disputes

We’ll support you with academic/research/publishing disputes

   


Advertising and competition advice

We'll bring in advertising experts. We’ll also assist with matters relating to competition regulation

   


Reputation management

We’ll help minimise reputation damage to maintain professional standing

   


Remediation

We’ll work with you to create a personalised plan to avoid regulator sanctions

   


Associates/employees

We’ll make sure your voice is heard on indemnity-related matters

   


Quotes are personalised for hours worked and are UK nation-specific

   




​To be read in conjuction with the Policy Wording and Policy Summary.