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Indemnity

Understanding indemnity and insurance

British Dental Journal volume 234, page 587 (2023)Cite this article

Key points

  • Both discretionary indemnity and insurance can be appropriate ways to protect yourself.

  • Understand whether protection is 'occurrence-based' or 'claims-made' and the implications of each.

  • Understand the details of any exclusions and any financial caps or limits for a claim and what will happen if a claim is brought against you after you have retired, left dentistry, or are no longer with the provider.

  • Look for an organisation that understands dentistry and is run in your interests.

Most dental professionals are members of a dental defence organisation, such as Dental Protection. Members can request assistance when they face a complaint, claim, investigation or other dentolegal matter. As a mutual not-for-profit organisation, we are owned by members and our Articles of Association form a contract between the organisation and the member.

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Authors and Affiliations

  1. Dental Director, Dental Protection, UK

    Raj Rattan

Authors
  1. Raj Rattan
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Correspondence to Raj Rattan.

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Cite this article

Rattan, R. Understanding indemnity and insurance. Br Dent J 234, 587 (2023). https://doi.org/10.1038/s41415-023-5746-4

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  • DOI: https://doi.org/10.1038/s41415-023-5746-4

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