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About The Policy

Working in partnership, True Dental and Allied World have teamed up to combine their extensive knowledge and expertise in order to address the risks faced within the complex dental environment.

With a team of qualified dental practitioners working alongside experienced healthcare underwriters and claims representatives, together True Dental and Allied World can bring a progressive risk management approach to every client and believe that by providing the tools and information necessary to avoid or mitigate losses, they can help to prevent problems and control outcomes - ultimately protecting the interest of Public Safety.

Does this comply with the General Dental Council indemnity cover?

The General Dental Council requires cover to be appropriate and adequate, with our policy meeting these requirements. We feel our policy is more comprehensive and better researched, tailored to dentists specifically rather than being directed at doctors whose claims may affect other members’ premiums.

General features of the True Dental Malpractice Policy for Dentists

  • Extends beyond medical malpractice coverage, responding to the full range of patient exposures arising in the course of the insured’s business
  • Integrated bodily injury and financial loss coverage, including damages relating to non-deliberate breaches of confidence and privacy
  • Claims conditions reflecting today’s healthcare environment, facilitating and encouraging compliance with the duty of candour and open disclosure requirements
  • Professional Liability coverage for advice and services provided to other dental and healthcare service providers, recognising the interconnected nature of the healthcare landscape
  • General Liability coverage structured to provide seamless coverage for day-to-day non-patient risks, available on an occurrence trigger

Automatic extensions

  • Public Relations support in the event of a claim
  • Costs associated with court attendance, inquests and investigations - including inquiries by the General Dental Council or other applicable regulatory body.
  • Defence costs in criminal proceedings connected with a claim
  • Defence costs associated with allegations of abuse and fraud
  • Loss of documents coverage
  • Vicarious coverage extending to;
    • the practice under the Insured’s control, for claims made against the entity arising as a result of their work; and
    • Nurses/Students/Foundation Dentists under the insured’s supervision, direction and control
  • Cover for work undertaken overseas (excluding in the USA) on a temporary basis
  • Bodily injury arising as a result of a cyber attack
  • Extended reporting period of 15 years (subject to certain T&Cs laid out in the policy)

Responsive claims handling with a partnership approach

True Dental is building its reputation on the foundation of delivering superior risk reduction programmes to dentists across the country. Their services are designed to be an integral component of our clients’ insurance coverage – adding value beyond insurance protection. True Dental will work with policyholders to incorporate their insights and experience into risk reduction programmes that keep assets and people protected. With supportive partners available at all times and a dedicated point of contact we can respond quickly to medico-legal queries.

True Dental’s risk management services include:

  • Tailored clinical risk assessments
  • Access to risk management research and publications
  • Education and seminar programmes
  • Regulatory and advisory support

Policy limits

The Insurer’s maximum limit of liability under the policy (the total amount they can pay out including all claims and defence costs) is £5,000,000 applicable to any one claim and in the annual aggregate.

Please refer to the policy schedule for sub-limits applicable to some of the extensions of cover and please note that these sub-limits are included within and not in addition to the overall policy limit, stated above.

Cover applies only to activity within the Insured’s Business – please refer to the definition in the Policy.

The Insured must bear any excesses for the amounts if applicable and where specified in the Schedule.

Claims support client can count on

Allied World’s claims team has significant expertise across numerous product lines and is committed to the highest levels of professionalism, responsiveness and good faith in claims handling.

Healthcare Liability

This is on a "claims made and notified" and "circumstance first notified" basis and includes cover for:

  • Damages the Insured is legally liable to pay on account of Patient Injury where such Injury is caused by an Incident first occurring after the Retroactive Date and before the end of the Policy Period.
  • Defence Costs incurred (with our prior consent) in respect of a covered Claim.

Professional Liability

This is on a "claims made and notified" and "circumstance first notified" basis and includes cover for:

  • Damages the Insured is legally liable to pay on account of Non-Patient Injury caused by a Wrongful Act first occurring after the Retroactive Date and before the end of the Policy Period. This coverage includes (but is not limited to) negligence arising from your production of legal reports and your activities as a clinical support supervisor.
  • Defence Costs incurred (with our prior consent) in respect of a covered Claim.

General Liability

This is on an "occurrence" basis and includes cover for:

  • Damages the Insured becomes legally liable to pay on account of Bodily Injury or Property Damage occurring during the Policy Period and caused by an Occurrence arising out of and in the course of the Insured’s Business within the Coverage Territory.
  • Defence Costs incurred (with our prior consent) in respect of a covered Claim.

24/7 Legal Advice

Allied World have arranged the services of Kennedys to provide a legal advice line which can be accessed 24 hours a day, 7 days a week. It is manned by medical and professional liability lawyers from Kennedys.

During business hours 09:30 hours to 17:30 hours, please call:

  • Janet Sayers

    Partner
    T: +44 20 7667 9270

  • Nico Fabri

    Partner
    T: +44 20 7667 9104

  • Daniel Freeman

    Senior Associate
    T: +44 20 7667 9545

  • Nicola Robinson

    Solicitor
    T: +44 20 7667 9449

Outside business hours, please call 01603 481 241. When phoning, please state that you are a True Dental contact and provide your contact details.

The Duty Lawyer on call will then be contacted and will return your call.

* The full terms of the insurance contract can be found in the Policy, a specimen copy of which is available on request. Please read the terms of the Policy carefully, including any endorsements which may change the cover provided. The Policy is underwritten by Allied World Assurance Company (Europe) dac ("Allied World").
Any term in bold is a defined term in the Policy.