Insurance for Dentists & Dental Practices
Our experts are here to take the hassle out of buying insurance
Dental Indemnity Insurance
Howden’s Health & Care team work with dentists to protect you and your livelihood. All of our Dental Indemnity and Medical Malpractice insurance policies are designed around you and your needs, to help protect your professional reputation against legal challenges and complaints.
In addition to Dental Indemnity Insurance, Howden can provide other coverages you may need, both professional and personal. This includes cover for:
- Personal Accident Insurance – for your hands, eyes and other body parts should your ability to practice dentistry be compromised
- Income protection - to help provide a regular income if you’re unable to work because of an accident or sickness
- Life Insurance – to help protect you and your loved ones financially if you die by providing a lump cash sum
Insurance for Dental Practices
Howden Health & Care provide insurance cover to dental practices across the UK. We offer tailor made policies that can cover a single dental surgery or multiple practices for all of their practice and business needs.
Our policies are specifically designed around the unique requirements of dental practices. Our policy limits can accommodate the high value machinery and equipment a dental practice may need cover for both within and away from the practice.
We can provide cover for:
- Buildings and Contents Insurance
- Employers Liability Insurance
- Public Liability Insurance
- Cyber Insurance
- Dental Locum Insurance
- Vicarious Liability Insurance
- Cover for Dental Hygienists and Nurses
Claims made vs Claims occurring: what’s the difference?
Our panel of insurers can offer both in order to suit your individual needs and ensure the continuation of cover - so what's the difference between the two?
Frequently asked questions
We can arrange quality affordable cover for:
General and cosmetic dentists, dental hygienists, clinical, dental and orthodontic technologists/ technicians, and dental nurses, including students.
No - your Howden insurance policy is a legal contract, and its terms are therefore enforceable under law. Mutual Defence Organisation’s (MDO’s) on the other hand, offer discretionary cover which, as the name implies, means that the acceptance of any claim made by a member is subject to their discretion. MDO’s are under no legal obligation to provide assistance to a member.
Yes – as malpractice claims can be brought years after the fact, we provide run off cover as standard. This means that cover is provided after you have stopped practicing.
Yes – our policies include Good Samaritan Acts that occur outside the scope of your regular work, such as giving first aid to a member of the public.
All of our insurers are A-rated, backed by Lloyds of London and have longstanding experience working with dentists and the medical profession.
The quality of legal representation can be the difference between upholding your good reputation or having it tarnished. Your Howden policy covers the costs of getting a skilled lawyer experienced in similar challenges. Our expert medico-legal advice is provided by a panel of the most experienced firms.
If you have been unfortunate enough to have suffered claims in the past, that need not stop you from accessing reasonably priced insurance.
We work with a wide range of insurers, several of which are open to covering dentists who have previous claims history. As long as you are open and transparent with us, we can usually help.
Of course, we have a number of premium financing options and we also accept credit and debit card payments.