Dental Indemnity Insurance

Long-standing Provider of Dental Indemnity Insurance and Support to Dental Professionals

As esteemed healthcare providers, dentists encounter distinct challenges and liabilities within their field. Whether you’re a seasoned practitioner or embarking on your dental journey, securing comprehensive insurance coverage is paramount for safeguarding your practice, clientele, and financial well-being.

At All Med Pro, we recognise the nuances of the dental sector, and we’re dedicated to assisting you in mastering the intricate landscape of dental indemnity insurance. Delve into our specialised knowledge, discover personalised insurance solutions, and attain the assurance required to prioritise delivering unparalleled care to your patients. Trust us to be your partner in protecting your profession and ensuring your peace of mind.

What is Dental Indemnity Insurance?

Dental indemnity insurance is essential for UK dentists as it provides financial protection against claims of negligence or malpractice. It covers legal costs and compensation payouts in cases of clinical errors or patient dissatisfaction. By having this insurance, dentists can ensure compliance with legal requirements while safeguarding their reputation and financial stability.

Our Dental Indemnity Insurance Cover

  • Claims made and claims occurrence cover.
  • Contract certain insurance policies
  • Nil excess available
  • A+ rated insurer with S&P
  • Policy includes breach of professional confidentiality.
  • Good samaritan cover.
  • Automatic run-off cover on claims made policies.
  • In-house claims handlers to support you in the event of a claim
  • Policy includes in place for public relations to mitigate any reputation damage following an insured event.
  • Regulatory support and representation in the event of an investigation, inquiry or disciplinary proceedings, such as a GDC enquiry or fitness to practise.

The above is subject to underwriting criteria.


The Difference between Claims Made or Claims Occurrence

Claims Made policies only respond to patient complaints and claims that are first notified during the period of insurance. Usually, once the policy ends, coverage ends.

Claims Occurrence policies respond to patient complaints & claims that arise following treatment or advice given during the period of insurance, regardless of how far into the future that might be. So even if the policy is no longer in force cover will be in place.

All Med Pro provide both claims made and claims occurrence coverage, so you can rest assured that our advice provided to you is always impartial and based on your specific needs.

Who We Are

With nearly a decade of experience, All Med Pro is a leading provider of Dental Indemnity Insurance in the UK. Our collaborative approach to innovation ensures continuous improvement in coverage and support for dentists, while also driving competition for better premiums.

Beyond insurance, we offer a unique 360° support service by bringing together experts from various fields, including insurers, experienced lawyers specialising in dental negligence and regulatory cases, and dual-qualified dentists serving as dento-legal advisers. Trust All Med Pro to provide comprehensive and tailored support for your indemnity needs.

Financially Strong & Secure Insurers

We only work with Insurers with the highest, independently verified financial strength ratings (utilising agencies such as Standard & Poors and AM Best).

Our core Dental Indemnity insurer, Axis Capital, has a total of $7.4B in Capital and $25.6B Total Assets (as of December 2020). By comparison and for context purposes, Medical Protection Society has £2B of net assets available (as per 2019 Annual Report & Financial Statements).


Why choose All Med Pro for your Dental Indemnity cover?

  • Policy coverage can be arranged on an occurrence or claims made basis. This is very different to most other providers! It means the advice we provide is not biased to one basis of coverage and is always tailored around what is best for our client.
  • We protect the reputation of our members when their performance is called into question by way of a contract of insurance. We are not a discretionary indemnity provider.
  • As a leading and long-standing indemnity provider to dental professionals in the UK, All Med Pro provide some of the broadest covers of dental indemnity policies available.
  • Our schedules, certificates and supporting documentation is provided in clear, plain English ensuring you know exactly what is and, as importantly, what is not covered.
  • We have a dedicated and experienced team that includes qualified dento-legal advisors who are experienced dentists. This means dental professionals deal with a person who knows your sector inside out and understands its challenges. If you need to make a claim, they will be able to discuss the strengths and weaknesses of your claim and then work with us and you on the best way to proceed.
  • We will work on your behalf, by providing proactive support and mitigation measures, to minimise the cost of a covered liability claim and any potential damaging consequences at the time, as well as in the future.
  • If you are part of a corporate, group or a member of a professional body such as the BDA further premium discounts can be applied.

The Difference between Contract Certain or Discretionary

Claims made Insurance policies only respond to patient complaints and claims that are first notified during the period of insurance. Usually, once the policy ends, coverage ends.

Claims Occurrence policies respond to patient complaints & claims that arise following treatment or advice given during the period of insurance, regardless of how far into the future that might be. So even if the policy is no longer in force cover will be in place.

All Med Pro provide both claims made and claims occurrence coverage, so you can rest assured that our advice provided to you is always impartial and based on your specific needs.


Indemnity Insurance – Choosing Price or Value

With an indemnity insurance policy that can potentially protect your career and reputation, it is vitally important to look beyond just the price. This may include policy covers or additional service tools designed to support you in respect of both reducing the risk of claims arising and guiding you through the process if claims do come in.

It is important to remember that not all indemnity insurance providers offer the same level of cover within their policies or added support, so identifying these areas early can really help.

We want to ensure the advice and support we provide you not only supports you now, but for many years into the future and identifying your key requirements is a fundamental part of our service to our clients.

Dental Indemnity Insurance Common Questions

Dental indemnity insurance provides essential protection for dental professionals against claims of malpractice or negligence brought by patients. It helps cover legal costs, damages, and other associated expenses, offering peace of mind and financial security.

As a dental professional, you face potential risks and liability issues during your practice. Dental indemnity insurance ensures you are protected in case of any unexpected claims or complaints, safeguarding your reputation and career.

Our dental indemnity insurance policy covers a wide range of aspects, including but not limited to:

  • Professional negligence claims
  • Allegations of malpractice
  • General legal expenses
  • Regulatory and disciplinary proceedings

An occurrence policy has lifetime coverage for the incidents that occur during a policy period, regardless of when the claim is reported. A claims-made policy only covers incidents that happen and are reported within the policy’s timeframe.

Contract certain Indemnity refers to medical malpractice insurance that is covered by a contract. This is the type of cover we offer at All Med Pro. The terms of the contract will set out conditions in relation to the maximum amount of cover provided and will detail situations that will not be covered by the contract, unlike discretionary policies where there is no guarantee that a claim will be accepted.

The cost of a dental indemnity insurance policy can vary depending on several factors, such as the level of coverage needed, the type of work you carry out and your claims history. It is best to contact All Med Pro directly or fill in our quote form to obtain a quote for dental indemnity insurance.

Yes. It is a legal requirement for all dental professionals to have adequate and appropriate indemnity in place for their work. You should obtain and retain a valid certificate of individual indemnity from dental professionals working at your practice.

Dental nurses must have indemnity to practise and will be asked to declare they have appropriate arrangements in place when they join the GDC register or renew their registration.

Put simply, Professional indemnity covers claims made by your clients. Public Liability covers claims from anyone except employees.

Yes, we offer a seamless transfer process for dental professionals looking to switch their indemnity insurance providers. Our team can assist you in making a smooth transition and ensuring you get the coverage you need?

Choosing the right level of coverage depends on various factors, such as your practice type, patient volume, and risk exposure. Our experienced advisors are available to help you assess your needs and recommend the most suitable coverage.

Upon retirement or cessation of practice, you may require what is known as “run-off” or “tail” coverage to protect you against potential claims arising from past incidents during your active practice. Our advisors can guide you through this process.

Run-off coverage protects you for a limited time even after you’ve left the dental field in case any claims are formulated against you by previous patients. In most situations, medical malpractice insurance ends when you exit the medical profession. Run-off coverage is used as a precautionary measure to provide you with extra peace of mind in the event a former action, event or patient alleges malpractice against you. This coverage is only applicable to claims-made policies. You have no requirement for run-off cover with claims occurrence policies.

If you have had claims or disciplinary action brought against you in the past, All Med Pro may still be able to offer you coverage. We will need to review the specifics of your situation and assess the level of risk involved. The cost of your insurance policy may be higher than it would be for someone without a history of claims or disciplinary action, but we will work with you to find the best possible coverage at a competitive price.

In the event of a claim, our claims process is straightforward and designed to support you during challenging times. You can find detailed instructions and contact information on our website to initiate the claims process promptly.

At All Med Pro, we pride ourselves on our dedication to exceptional customer service, tailored coverage options, and an in-depth understanding of the dental industry. We strive to provide personalised solutions that meet the unique needs of dental professionals, setting us apart from the competition.

Since July 25th, 2011, All Med Pro has been revolutionising the insurance industry. What started as a small venture with just a couple of laptops has grown into a dynamic brokerage focused on addressing the needs of businesses and professionals in the healthcare landscape. We’ve built lasting partnerships, expanded our services, and relocated offices twice to accommodate growth. Today, we offer tailored insurance solutions backed by experts and comprehensive support. Despite challenges like those faced in 2020, our commitment to innovation and client satisfaction remains strong. Looking ahead, we’re poised for further growth, dedicated to enhancing our team to better serve our clients. Join us and experience the difference at All Med Pro.

What our clients say about us

All Med Pro Insurance
All Med Pro Insurance
"I renewed all my policies as he made it so straightforward."
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Very happy with the service from Barry. Aware of my limited admin time to collate the information required and make a decision. Was happy to answer my questions and followed up with anything that was not clear very quickly. Also helpful in presenting the information to me in table form so I could easily see the difference in cost year on year. I renewed all my policies as he made it so straightforward.
All Med Pro Insurance
All Med Pro Insurance
"Documents were received quickly and punctually."
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I was thoroughly impressed and satisfied with the service I received. He was always available when I needed advice and guided me through the contents of the policy with patience and care. Documents were received quickly and punctually and this made the whole process easy and without hassle. I would highly recommend the service. Thank you.
All Med Pro Insurance
All Med Pro Insurance
"The team are fantastic, have a great support network."
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Excellent indemnity company always on hand to deal with your queries.The team are fantastic, have a great support network and very competitive price. Would not hesitate to recommend them to colleagues. Very easy renewal and quotation process, definitely the way forward if you want comprehensive cover and help.