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Not all dental indemnity policies are the same

BDA Indemnity provides you with a professional shield against legal and regulatory challenges. Our advisory, case management and indemnity support wraps around the cover provided by Royal & Sun Alliance Insurance Ltd, giving you complete protection when you need it most.

We already fight hard for our members and dentists alike, and believe that insurance simplifies your dental experience; giving you the peace of mind you deserve.

Occurrence based cover

Your access to cover doesn't disappear when you stop paying for your policy. There's no need for run-off cover if you leave us when your retire.

It's not discretionary

You have a contractual right to cover and won't be left out in the cold when you need help.

Quality support

There are no limits to professional advisory support and our dento-legal experts will assist you 24-7. They work closely with all our other advisors providing you with support and guidance across a whole range of issues that affect dentists and their teams.

A one-stop-shop

We fight for dentists' rights, the UK's oral health and provide practical support for life in practice. Our dental indemnity is the last piece of the puzzle that makes sure members are properly equipped to thrive in today's professional environment.

You only pay for what you do

GDP procedures like minor oral surgery and restorative work (including aesthetic dentistry and aligners) are automatically part of your cover. If you place and/or restore implants, we have cover for these procedures.

It's backed by one of the UK's top 5 insurers

We chose RSA to underwrite the policy and it's brokered by our long-standing partner Lloyd & Whyte.

Cover features




Practice owner





Professional Liability Insurance from RSA

Placing or restoring implants

Includes cover for sinus lifts or bone grafting in maxilla or mandible*


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 personal tax investigation expenses

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


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 or omissions of practice colleagues for who you are vicariously liable Read more


Nurses covered on your policy

Nurses are indemnified against negligence claims, compliant with GDC regulation



Facial cosmetic injectables​

Cosmetic injectables procedures above the lower border of the mandible are covered


Where you choose implant cover, there's no additional cost for sinus lifts or bone grafts


Entity cover​

Add your limited company to your policy. Find out more




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


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


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

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

* The policy does not cover any procedures involving any part of the body beyond the mouth, peri-oral area, face and neck including but not limited to bone harvesting from the rib or hip. 

Why does the membership tier matter?

If you’re an associate or practice owner you’ll need to have either Extra or Expert membership (respectively) with us to be eligible to apply for this cover.

Our pricing takes into account the resources that come with your membership. You can read more about pricing and payments in our indemnity FAQs.

The range of services available to dentists with Extra or Expert membership is second to none and highly regarded. Our one-to-one advisory and support services guide members through tricky times, and the template policies available to Expert members make compliance with national standards straightforward.

Access to this support before things go wrong decreases the risk profile, and because of this, we’ve been able to price the indemnity cover fairly.

Are there any exceptions?

Dental care professionals are not registered dentists, so they are not eligible to access this policy. However, in cases where the owner of a practice has cover, any registered dental nurses in their employment, will be covered as standard for claims for compensation.

Oral and maxillofacial (OMF) surgeons who carry out procedures within the scope of the specialty of OMF surgery, and who are dually registered with both the GMC and GDC, are not eligible to access the policy. This is because they undertake procedures far removed from the practice of dentistry. Accordingly, we believe that oral and maxillofacial surgery should rightly be indemnified by medical indemnifiers.

Get an indicative quote

Any GDC registered dentist can get an indicative quote.

Quotes are specific to UK nations, personalised, dependent on whether you provide implant treatment, discounted for newly qualified dentists up to five years post-qualification

Get an indicative quote

Any GDC registered dentist can get an indicative quote.