Dental indemnity for dental nurses is important cover for the protection of your practice, business and compliance to regulatory bodies. It can give you financial protection should you be sued for negligence, malpractice or a patient taking action over the advice you have given them.
What is Indemnity Insurance for dental nurses?
Indemnity Insurance for dental nurses offers specialist financial protection against the risks associated with providing treatments and care advice. Most treatments come with a risk, and no matter how skilled or careful you are, there’s always a chance that things won’t go to plan, and you’ll face a negligence or malpractice claim.
As we have said, insurance for dental nurses can also offer essential protections around providing professional guidance. It can protect you from claims arising from your advice or those that occur because patients aren’t happy with the treatment’s outcomes. Professional indemnity claims are not uncommon in the dental industry – especially in cases where expected treatment outcomes are not set beforehand.
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Do dental nurses need Indemnity Insurance?
When considering dental Indemnity for dental nurses, while not a legal requirement, you’re required by the General Dental Council (GDC) to have Indemnity Insurance if you wish to practice.
As a dental nurse, you’ll be involved in providing a wide range of treatments, from carrying out infection prevention to preparing dental biomaterials and giving patients clinical advice. All of these come with risks, which is why it’s essential to have Indemnity Insurance for dental nurses in case a patient brings legal action against you for negligence or malpractice.
What does Indemnity Insurance for dental nurses cover?
At Enhance Insurance, we pride ourselves here on our extensive knowledge of dental indemnity for dental nurses. We work closely with industry experts to keep up with the treatments and procedures that dental nurses are offering so that we can provide as wide a range of covers as possible. The policies we offer meet the GDC’s registration requirements and can include:
Professional Indemnity Insurance
Cover for all general and extended general nurse duties
Cover for Dental Nurses who are self-employed, employed, or trading as a Limited Company
Breach of confidence cover
Medical Malpractice and Public Liability Insurance
Options to Include aesthetic and cosmetic Insurance treatment cover, including Botulinum Toxin and dermal fillers
Legal costs and expenses to cover Health & Safety at Work Act investigation and prosecution
3-Year Run-off cover
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FAQ
How much coverage do dental nurses need?
Indemnity Insurance for dental nurses are generally underwritten on a ‘claims-made basis’; so you need cover in place when the treatment and/or advice is provided and when a claim is reported. Dental claims can take months or even years to appear, which is why it’s advisable to have a so-called ‘run-off’ programme for at least three years after you cease to operate as a dental nurse to cover these.
What are common malpractice claims against dental nurses?
Claims can be made on a wide range of risks. The common claims that are covered are misdiagnosis, delayed diagnosis or misinterpreting test results. Prescribing the wrong medications is also a claim that pops up a lot as well as making an error during dental surgery or giving incorrect / careless treatment.
If there is a problem and a client sues, compensation claims can be sizeable when it comes to insurance for dental nurses. According to Dental Law, the average dental malpractice award is between £10,000 to £12,000. Add to that the legal fees for defending the case, potential loss of earnings and reputational damage, and the costs of a claim can be substantial.
Is Indemnity Insurance for dental nurses included in the dentist's coverage?
How can dental nurses choose the right Indemnity Insurance policy?
Dentistry is a constantly evolving profession – there’s been a surge in the number of practices offering Botulinum Toxin and other cosmetic procedures in recent years, according to the British Dental Association. It’s important, therefore, to choose an insurance broker with the right knowledge and expertise.
To comply with GDC registration rules and to protect your reputation, income, and bank balance from legal fees and compensation payouts, get your Indemnity Insurance for dental nurses through Enhance Insurance. We’ll give you all the help and advice you need to get the protection that’s right for you.
Is dental nurse Indemnity Insurance a legal requirement?
No, but you will need it to comply with the General Dental Council’s registration requirements.
Does dental nurse insurance cover extended duties?
Assuming you have the appropriate qualifications, then yes, you can be covered for extended duties such as implantology or sedation.
How can I get a dental nurse Indemnity Insurance quote?
Getting a quote is easy. You can call our experienced, friendly team on 0808 239 9154 or start your quote online today.
In Need of More Advice on Your Insurance Cover?
When working in a specialist profession such as dentistry, you need to ensure you have the right protection at all times.
Here at Enhance insurance, we’ll aim to match you with the exact insurance you need as a Dental Nurse.
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