In this article, Ewan Johnson, assistant vice president at Densura, shares six key areas to check when arranging an indemnity policy.
Working in dentistry is rewarding, but it can also be high-pressure. Whether you’re a dental hygienist, dental therapist or dental nurse, you’re dealing with patients, clinical procedures and public expectations – often all in the same day.
While most of your interactions will be positive, the reality is that complaints, investigations and even legal claims can happen. That’s where indemnity insurance comes in.
1. Is your provider regulated?
Not all professional cover is the same. Insurance providers regulated by the Financial Conduct Authority (FCA), such as Densura, must follow strict protocols, giving policyholders additional reassurance.
By contrast, some medical defence organisations operate on a discretionary basis – meaning they can decide whether to support you in a claim. It’s important to understand the differences and the limitations of each.
Not only is Densura FCA-regulated, but our policies are underwritten by QBE, one of the world’s largest insurers, and carry a five star Defaqto rating – an independent mark of quality and comprehensiveness.
2. What is the claims basis?
When arranging a policy, you’ll have a choice between ‘claims made’ and ‘claims occurred’ cover.
With claims occurred, you’re protected for incidents that happen during the policy period, even if they’re reported years later. That means there’s no need to buy expensive ‘run-off’ cover when you retire or change roles.
3. Which risks are covered?
Comprehensive indemnity insurance for therapists, hygienists and dental nurses should go beyond clinical negligence. The right policy will also support you with General Dental Council (GDC) complaints, disciplinary proceedings, consent or communication issues, and public liability for work outside your main practice – whether in a community clinic or on domiciliary visits. It should also apply to both NHS and private work and multiple practice locations to ensure you’re protected in a wide range of scenarios.
4. Is it simple to arrange?
For busy dental professionals, arranging cover should be quick and straightforward, with transparent pricing and the ability to adjust your policy if your hours, role or workplace changes.
At Densura, you can buy a policy online in just five minutes, with cover starting on your chosen date. Just visit Densura.com to find out more.
5. What level of support is provided?
If something happens, early action can make all the difference. Having access to an experienced dento-legal team – ideally made up of practising dental professionals – can often resolve issues quickly, sometimes within 48 hours.
At Densura, you’ll receive that level of support; you will have a named advisor throughout a claim who understands your role and provides continuity and reduces stress.
6. Are there any additional benefits alongside your policy?
Complaints and investigations can be stressful and emotionally draining. Some providers, such as Densura, now give policyholders access to counselling and stress support alongside legal representation, which can be an important consideration in today’s litigious environment.
Get a quote today
Choosing the right indemnity cover isn’t just about compliance – it’s about safeguarding your career, reputation and wellbeing. If you’re a dental hygienist, therapist or nurse and want regulated, comprehensive protection with support from practising dental professionals, take a moment to explore your options.
You can get a quick, no-obligation quote at www.densura.com and see how our cover could work for you.
This article is sponsored by Densura.
