Dentist Insurance

Knowledge of frequent malpractice claims empowers dentists to take preventative steps and minimise their professional liability. Based on our extensive experience in the dental insurance sector, we’ve identified several common claim categories:

• Failure to diagnose or delayed diagnosis (e.g., oral cancer, periodontal disease)
• Improper performance of dental treatments (e.g., endodontic treatments, implants)
• Complications from anaesthesia or sedation
• Lack of informed consent
• Improper use of dental materials or equipment
• Failure to refer to a specialist when necessary
• Adverse reactions to medications or dental materials
• Nerve injuries during procedures (e.g., extractions, implant placements)

While extensive insurance cover helps you deal with the aftermath of a malpractice claim, it’s also worthwhile implementing risk management strategies to reduce the likelihood of claims in the first place. We recommend these best practices to our clients:

• Maintain clear and detailed patient records
• Ensure thorough, informed consent processes
• Stay updated with the latest dental techniques and technologies
• Implement extensive infection control protocols
• Maintain open and clear communication with patients
• Regularly review and update practice policies and procedures
• Provide ongoing training for staff members
• Establish a system for following up on patient concerns and complaints

The cost of dental malpractice insurance can vary significantly based on numerous factors. These include the level of cover selected, the dentist’s speciality and procedures performed, years of experience, claims history, and annual revenue.

While providing a one-size-fits-all figure is challenging, the average cost of dentist malpractice insurance in the UK ranges from £1,000 to £5,000 per year for general dentists. Specialists or those with higher-risk practices may face higher premiums.

Remember, you should measure the cost of insurance against the potential financial devastation of an uninsured malpractice claim. Jensten aims to offer tailored rates while ensuring extensive cover.

Practising dentistry without adequate malpractice insurance is a risky proposition with potentially severe consequences:

Legal and Financial Vulnerability

Dentists are personally responsible for legal fees and any damages awarded in a malpractice suit without insurance. This could lead to significant financial hardship or even bankruptcy.

Regulatory Issues

The General Dental Council (GDC) requires all registered dental professionals to have appropriate indemnity arrangements. Failing to maintain adequate insurance could result in disciplinary action or loss of registration.

Reputational Damage

Uninsured dentists may face severe reputational harm if unable to adequately defend against or settle malpractice claims.

Limited Career Options

Many dental practices and healthcare organisations require proof of malpractice insurance as a condition of employment or partnership.

Stress and Uncertainty

The constant worry about potential claims can significantly impact a dentist’s wellbeing and ability to practice effectively.

Given these risks, we strongly advise all dental professionals to maintain extensive malpractice insurance cover at all times.

Just like your level of insurance cover, selecting the right malpractice insurance policy is an important decision. Take into account these factors to make your choice:

• Cover limits – Ensure the policy provides adequate protection for potential claims.
• Policy type – Understand the differences between claims-made and occurrence-based policies.
• Exclusions – Carefully review what’s not covered under the policy.
• Insurer reputation – Choose a reputable insurer with experience in dental malpractice cover.
• Claims handling – Look for insurers with efficient and supportive claims processes.
• Cost – While important, don’t make decisions solely based on price. The cheapest option may not provide adequate protection.

We pride ourselves on offering tailored policies that meet the unique needs of UK dental professionals. Our team of experts is always available to guide you through the selection process and ensure you have the right cover for your practice.

Yes, most extensive dental malpractice insurance policies, including those offered by Jensten, cover cosmetic dental procedures. However, to ensure adequate cover, you must disclose all types of procedures you perform when applying for or renewing your policy.

While switching providers mid-policy is possible, it’s generally advisable to wait until your renewal date. Changing providers may affect your retroactive cover and leave gaps in your protection. If you’re considering a switch, consult our experts to ensure a smooth transition.

At Jensten, you can get a quote and buy an insurance policy with our team. We work with Dentists to smoothly arrange their cover in a timely fashion, we do take time where needed to ensure we offer the best insurance cover our network can provide.

Dental malpractice insurance is an indispensable safeguard for UK dental professionals. Jensten is committed to providing extensive, customised cover that protects your practice and patients.

Don’t leave your professional future to chance. Contact us today to discuss your dental malpractice insurance needs.