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Indemnity and insurance

All registered dentists need professional indemnity or insurance cover. The GDC will ask you to confirm this when you apply for registration or restoration or to renew your registration.

​Professional indemnity can be a costly practice expense. So it is important that you understand your indemnity cover, the options available to you and the pros and cons of different types of policies.

 

There are two different types of indemnity cover: occurrence-based and claims-made.

 

Occurrence-based cover provides perpetual indemnity for treatments provided during that policy period. If an incident took place during the policy period, you’re covered; it does not matter when the claim is made against you. A single subscription for each year that the dentist practices, provides protection for them and their patients in perpetuity.

 

A typical claims-made policy provides a specified level of cover, for specified circumstances, and for a specified period (usually the duration of the policy). Beyond that your cover ends. Claims-made cover can be priced lower than occurrence-based cover. But, bearing in mind the likely interval between the provision of treatment and a claim for negligence, the dentist will need to purchase additional (run-off) cover long after they have stopped working. This additional cost should be factored in when comparing indemnity policies.

 

Members can now choose indemnity cover through the BDA. Find out more and get an indicative quote today.