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Hamilton Fraser Insurance

Professional Liability Insurance
If you are a dentist practicing cosmetic treatments such as botulinum toxin and dermal fillers you may be vulnerable to allegations of negligence and wrong doing. Despite competency, accidents and errors of judgement can and do happen.

We provide extensive Professional Liability Insurance to protect you should the disastrous happen. Our policies are affordable, flexible and designed to compliment any existing protection you may have from the Dental Defence Union. As your business grows, your policy grows with you.
The policy is made up of 3 main sections

Medical malpractice insurance
Public liability and products liability Insurance
personal accident insurance

Medical Malpractice

This section of the policy will protect you against damages you may be legally liable for arising out of any insured treatments you provide, or advice you give to patients.

For example if you were to inject temporary filler into a patient and the product migrated resulting in scarring.

Hamilton Fraser will also pay all defence costs up to the limit of indemnity incurred in connection with any claim that falls within the terms and conditions of the policy.

This section of the policy is arranged on a ‘claims made’ basis. This means that you will only be indemnified for claims made against you, and notified to Hamilton Fraser, during the current period of insurance. The policy will not respond to claims notified to Hamilton Fraser after the policy expires, even if the treatment or advice took place whilst the policy was in force. You must therefore advise Hamilton Fraser of any incident that may give rise to a claim immediately. If you cancel your policy for whatever reason, you should consider “Run Off” cover to protect you against instances which may not have been notified to you yet.

Third Party and Products Liability Insurance

This section of the policy provides cover for damage or injury caused by the failure of the aesthetic product including supply and alteration of the product (licensed and registered brands only).

It also includes cover for loss or injury to persons or property due to practitioner negligence whilst working away from their main trading premises.

For example if you went to a clinic and put your bag or brief case down and a patient tripped over it and injured themselves and considered you were responsible for their injusry.

This section of the policy is arranged on a claims occurred basis. This means that you will be protected for any claims occurring during the policy period regardless of when the claim was notified.

Personal Accident Insurance

The policy is automatically extended to include scale of benefits paid to the insured for accidental death and disablement (excluding hazardous activities).

For example if you were to loose a limb in an accident and you are unable to work you would be eligible for payments up to certain limits.
Hamilton Fraser’s policies are affordable, flexible and designed to compliment any existing protection you may have from your defence organisation. As your business grows, your policy grows with you.
To get a quote or for more information call 0845 310 6300 or log on to www.hamiltonfraser.co.uk

Introducing the Premier Club
Not content with simply giving our customers the widest cover for the best price we also ensure you get added value. That's why they have negotiated exclusive benefits for you to enjoy with the Premier Club.
To view our latest offers go to www.hamiltonfraser.co.uk

For further information call 0845 310 6300
or log on to www.hamiltonfraser.co.uk

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Dental marketing

Now more than ever is marketing a dental practice a key essential to the business of dentistry. It is not enough to advertise in your local newspaper or rely on word-of-mouth via patients.
The secret of dental marketing success is the ability to promote your practice to attract patients – wherever they may be looking and that includes the web. The internet is a helpful addition to dental marketing and every practice needs a website to succeed.

Combine in-surgery and online branding of your dental practice, with the power of the web

Use branded letter headings, posters, notepaper and pens in the practice and exciting images of smiling patients, before and after shots, case studies, patient testimonials and information on a beautifully designed easy-to-use website and dental marketing. It’s never been easier! You just need to learn and master what to do and how to do it. There are many dental marketing companies who can help, offering anything from a budget website building packages to a bespoke design service with tips on getting your practice higher up the Google pages. When people need to find a dentist, they use a search engine. This means that you do need a presence online and that you do need to be skilled in making sure people will find you. This is where using search engine optimisation (SEO) services can make a big difference.
As well as a high profile practice website, sending out e-newsletters and using Facebook, Twitter, MySpace and other social networking sites all add to spreading the word about your practice and your treatments and you. The dental marketing machine is an amazing one – use it.