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