What is Dental Indemnity?
Dental indemnity is a type of indemnity insurance designed to protect dentists against claims of malpractice, negligence, or professional errors. It covers legal costs, compensation payments, and regulatory investigations that may arise from patient complaints or litigation.
Unlike claims-made policies, which only cover claims reported during the policy period, Densura’s dental indemnity policies are all on a loss-occurring basis and offer more flexible coverage. However, insurance-backed indemnity policies, like those provided by Densura, offer contractual certainty, ensuring claims are handled per the policy terms and there is no discretion used.
What’s covered by Densura’s dental indemnity?
Compensation Claims
Patients may file claims for compensation if they believe they have suffered harm due to negligence or dissatisfaction with treatment. Indemnity insurance covers the costs of these claims, including:
- Compensation payouts awarded to the patient.
- Legal fees and court expenses.
Legal Defence Costs
If a claim escalates to legal proceedings or a regulatory investigation, Densura indemnity insurance covers:
- Solicitor fees.
- Expert witness costs.
- Tribunal or court-related expenses.
This ensures dentists have access to high-quality legal representation to defend their professional standing.
Regulatory Investigations
Dental professionals may face investigations by the GDC or other regulatory bodies. Densura’s policies include legal expenses for such investigations, ensuring dentists are fully supported throughout the process.
Reputation Management
Even when a dentist is not at fault, claims or complaints can harm their reputation. Densura Indemnity insurance provides robust defence and guidance to protect a dentist’s professional standing.
Contractual Cover
With Densura, contractual indemnity is provided through a formal insurance policy, a contractual guarantee that clearly outlines what is covered and what is excluded. This gives you the confidence to make informed decisions and always know exactly where you stand. Unlike discretionary providers, our insurance partners are regulated by the Financial Conduct Authority (FCA) and offer a clear, transparent complaints and arbitration process, overseen by an independent Ombudsman.
Dental Advisors
Expert advice from real dentists. These are our dental advisers who will be your first port of call in the event of a patient complaint or regulatory matter. All are dentists, all have a legal qualification, and all are dedicated to being by your side and staying there to guide you through what can (but doesn’t need to be) a traumatic experience. Most of the team remain practicing dentists who know what it’s like to be a dentist.
“Dentists work in a highly regulated profession, and their actions directly impact the health and well-being of their patients. To protect patients and ensure they have a route to compensation if things go wrong, the General Dental Council (GDC) mandates that all practising dental professionals must have appropriate indemnity or insurance cover in place.”
Dr Julian Perry, ‘Do Dentists Need Indemnity Insurance?’
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