Working in dentistry is rewarding, but it can also be high-pressure. Whether you’re a hygienist, therapist or nurse, you juggle patient care, clinical procedures and public expectations every day. While most interactions are positive, the reality is that complaints, investigations and even legal claims can happen. That’s why the right indemnity insurance matters.
Here are six key things to check when choosing an insurance policy:
- Is your indemnity provider regulated?
Not all professional cover is the same. Insurance providers regulated by the Financial Conduct Authority (FCA), like Densura, must follow strict protocols, giving policyholders extra 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 difference and the limitations of each.
At Densura, 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.
- What is the claims basis?
When arranging a policy, you’ll usually choose 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 no need to buy expensive “run-off” cover when you retire or change roles.
- Which risks are covered?
Comprehensive indemnity insurance should go beyond clinical negligence. The right policy will also support you with:
• GDC complaints
• Disciplinary proceedings
• Consent or communication issues
• Public liability for work outside your main practice – whether in a community clinic or on domiciliary visits
Your cover should also apply to both NHS and private work, and across multiple practice locations, to give you peace of mind in a wide range of scenarios. - Is it simple to arrange?
For busy dental professionals, arranging cover should be quick, straightforward and transparent, with the flexibility to adjust if your hours, role or workplace change.
With Densura, you can get a quote online in just five minutes, and your cover will start on your chosen date.
Get a quote today »
- What level of support is provided?
If something happens, early action can make all the difference. Our experienced dento-legal team – made up of practising dental professionals – can often resolve issues quickly, sometimes within 48 hours.
You’ll have a named advisor throughout your claim who understands your role, provides continuity and helps reduce stress. Simply call our team to get started.
- Are there any additional benefits?
We know that complaints and investigations can be stressful and emotionally draining. That’s why Densura policyholders have access to counselling and stress support alongside legal representation – because your wellbeing matters as much as your protection.
Protect your career with Densura
Choosing the right indemnity cover isn’t just about compliance – it’s about safeguarding your career, reputation and wellbeing.
Get the reassurance of regulated, comprehensive protection backed by a Five-Star Defaqto rating and support from practising dental professionals.
Get your quick quote now – it only takes five minutes.
