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Dental Nurses
It's important for a dental nurse to have a policy in place to ensure they are protected both professionally and legally. Having proper cover provides peace of mind in the event of a complaint, error, or legal claim. It also demonstrates professionalism and compliance with GDC requirements, helping to safeguard both the dental nurse's career and the safety of patients.
Cover Overview
Dental nurses benefit from comprehensive protection through two distinct insurance policies. The ARAG 'GDC Disciplinary & Investigation Protection' Policy covers legal costs (up to £100,000) related to disciplinary investigations and disciplinary proceedings initiated by the General Dental Council, fitness to practise hearings, regulatory appeals, and certain criminal proceedings linked to their professional duties or Good Samaritan acts. It includes representation during official complaints, regulatory body investigations, and police enquiries that may affect their registration.
Complementing this, the CFC 'Dental Indemnity' Policy offers cover for claims arising from alleged negligence during dental professional services, including injury to patients, breaches of confidentiality. Together, these policies ensure robust legal, professional, and financial support for dental nurses in their professional roles.
What's included in this policy (Dental Indemnity)
Dental Indemnity
Alleged negligence from dental professional service causing injury; breach of confidence or misuse of information that is confidential or subject to statutory restrictions.
Defence Costs
For claims which fall in to point 1; for disciplinary proceedings arising from alleged negligence from dental services which is alleged to have caused injury brought by the GDC.
Professional Indemnity
Indemnity for sums which you are legally liable to pay arising out of alleged negligence in connection to training or tuition activities undertaken (must be confirmed in application).
Extended Reporting Period
If you retire from practice the policy will continue for a period of 6 years at no extra cost (subject to written notice of permanent retirement of practice within 30 days of retiring).
Armed Forces Personnel
If you are employed by the Armed Forces, the geographical limits of the policy will be extended to 'Worldwide: excluding USA and Canada'.
Court Attendance Costs
You will be reimbursed for reasonable court costs necessarily incurred by yourself (with written prior agreement by the insurer) for attending court/tribunals or hearings connected to a claim.
Reputation and Brand Protection
The insurer will pay reasonable costs incurred by yourself (subject to previous written agreement) for services of a PR consultant to avert or mitigate damage to your brand or reputation.
* For full list of 'Insuring Clauses' of this policy, please review the Policy Wordings.
Also included in this policy (GDC Disciplinary & Investigation)
Regulatory Protection
Insured in the event that you receive formal notice from the GDC that a complaint has been brought against you that either raises questions about your fitness to practice, or requires you to formal respond.
Regulatory Investigations
Further cover after a claim from point 1 has been accepted, and the GDC then notifies you that they will formally investigate your conduct, performance or suitability to practice.
Disciplinary and Fitness to Practice Hearings
Cover in the event you receive notification from the GDC that you are required to attend a 'Fitness to practice' or similar disciplinary hearing.
Regulatory Appeals/Loss of Registration
The insurers will appeal against a finding that your fitness to practice is impaired or, the GDC has an adverse finding or penalty against you or, the GDC suspends, restricts or terminates your registration.
Criminal Investigations
Protection in the event of a criminal investigation/enquiry by the police, a body that can prosecute when you have been suspected of an offence, in regards to your professional practice.
Criminal Prosecution Defence
Following point 5, further assistance to which the insurer has provided representation for you, or if you were charged with a criminal offence and notice of prosecution.
* For full list of 'Exclusions' of these policies, please review the Policy Wordings.
Exclusions Of This Policy
01
In respect of which compulsory insurance or security is required to be arranged by You under the Road Traffic Acts.
02
Caused by or arising from any Offshore Activity.
03
For damages or any additional damages resulting from the multiplication of compensatory damages.
04
Arising from any judgement, award or settlement made within countries which operate under the laws outside of the UK.
How It Works
Should you need to report a claim, circumstance, or investigation, kindly refer to the following instructions:
CFC - Notification of a 'claim'
If your claim is in regards to your dental professional services which has caused injury to a patient then you must notify 'CFC' as soon as practicable, but within 30 days from you becoming first aware of the instance.
CFC - Notification of 'circumstance'
If you become aware of a circumstance that could lead to a claim against you (in regards to your dental professional services) then you must notify 'CFC' as soon as practicable, within 30 days of being made aware.
ARAG - Notification of a claim/GDC investigation
If you receive a claim notification, you must notify ARAG as soon as possible. However, if you instruct a solicitor without prior written agreement from ARAG, then you will be liable for all costs that are not covered under the policy.
ARAG -
Making a claim
A claim can be made online at www.arag.co.uk/newclaims, or by downloading and completing the claim form from www.arag.co.uk/newclaims or calling 0330 303 1955.
In order to maintain registration with the General Dental Council (GDC), all dental nurses in the UK are required to hold appropriate indemnity insurance that covers them for the work they carry out. This is a regulatory requirement designed to protect both patients and professionals, ensuring that dental nurses are properly supported in the event of a complaint, claim, or investigation.
Our policy has been specifically tailored for dental nurses and is widely regarded as one of the most comprehensive on the market. It offers robust protection including professional indemnity, legal defence, GDC disciplinary support, and extended cover for Good Samaritan acts and training activities. Our policy delivers the peace of mind and compliance dental nurses need-backed by specialist insurers who truly understand the dental profession.
Employers Liability is a compulsory policy required by law if your company employ staff.
Insure your legal liability to pay damages and claimant's costs, fees and expenses for injury to an employee arising in the course of his employment by you and happening during the period of insurance.
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