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Understanding indemnity and insurance

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.

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Correspondence to Raj Rattan.

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Rattan, R. Understanding indemnity and insurance. Br Dent J 234, 587 (2023).

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