Dental Professionals

Insurance is essential for dental professionals as it provides crucial protection against claims of negligence, errors, or unexpected incidents that may occur during patient care. Whether facing legal action, regulatory investigations, or accidental damage, the right insurance policy ensures financial security, professional support, and peace of mind—allowing dental professionals to focus on delivering quality care with confidence.

Policy Wording Summary of Cover

Cover Overview

Medical malpractice and fitness to practise insurance are vital forms of protection for dental professionals. Medical malpractice insurance covers legal costs and compensation claims arising from allegations of professional negligence, errors, or omissions during treatment. Fitness to practise insurance provides support and representation in the event of an investigation or disciplinary hearing by a regulatory body, such as the GDC. Together, they safeguard both your professional reputation and financial wellbeing.

Trafalgar Risk Management's specialist policy is designed to meet the specific needs of dental professionals, offering comprehensive cover, expert guidance, and peace of mind should a complaint or claim arise.

Our Policy Includes

Medical Malpractice Claims

Protection against claims of negligence, errors, or omissions in the course of dental or clinical treatment.

Regulatory Investigations

Covers legal costs and representation if you're investigated by a body such as the General Dental Council (GDC).

Fitness to Practise Hearings

Includes cover for legal expenses incurred during professional disciplinary or fitness to practise hearings.

Expert Witness & Report Writing

Covers claims arising from written reports or expert witness work carried out within your professional role.

Defamation Cover

Protection against claims of defamation relating to professional reports or testimony.

Review Board & Committee Work

Covers liability arising from roles assessing training, qualifications, or clinical performance of other professionals.

Health & Safety Appeals

Covers legal costs to appeal against statutory notices served under Health and Safety legislation.

Criminal Proceedings Cover

Legal expenses cover for certain criminal proceedings, including Equality Act breaches or other relevant workplace issues.

How It Works

Following an allegation of negligence being made against you, the below process is how insurers will view the event and how your loss will be treated.

Notify as Soon as Practicable

You must notify the claims managers as soon as reasonably possible after becoming aware of any circumstance that may give rise to a claim.

Do Not
Admit Liability

You must not admit fault, settle, promise payment, or incur costs without prior written agreement from the insurer.

General
Claims

Notification must be made no later than 7 days after the policy expiry date (or within any extended reporting period if applicable).

Contractual
Disputes

Notification must be made within 30 days of becoming aware of a disputed sum or within 90 days of an overdue invoice, after attempting recovery or compromise.

Treatment of Notified Circumstances

If a circumstance is properly notified, any resulting claim will be treated as having been made during the period of that policy.

In the event of a claim:

Should you wish to notify a claim under this Policy, please contact the 24 hour dental legal helpline shown on your Policy Schedule. You must do this as soon as you can, but this must be no later than 7 days following the expiry date of your policy.

Testimonials

“I’m very pleased with the service I received from Trafalgar Risk Management. The online portal was very easy to use, they answered my questions quickly and efficiently, and I loved their personal touch. Every time I reached out, I got a customised response instead of the usual runaround experience when dealing with big companies.”

Marta

AAT

“My enquiry was dealt with efficiently & effectively and I was advised at each stage. I am very happy with the service I received - Thank you very much!”

Claire

BADN

“I have used Trafalgar Risk Management for my insurance needs for a few years now. I have always found that they have a clear pricing structure are competitively priced and responsive to questions, I will certainly use them again.”

Ian

IOSH

“The team at Trafalgar were most helpful in reinstating my policy after I had overlooked the various reminders and it had lapsed. Communication was speedy and efficient.”

Julie

CIOL

“I have found Trafalgar Insurance to be an excellent company to deal with. The quote for professional insurance was competitive, the service when I had a query was swift and cheerful. All that you could want really. No complaints from me, just compliments. Well done”

Simon

IOSH

“Trafalgar offer great-value policies, genuinely take the time to listen, and are excellent at resolving issues when they arise.”

Ian

AAT

“Following an issue accessing Outlook on Microsoft 365, I was forced to create another email account which, amongst other things, required resetting my password to my new email address to access MyTrafalgar. When I encountered a problem doing this myself, the Trafalgar and TRM team were able to resolve the issue within 24 hours and could not have been more helpful in their response. Many thanks!”

Paul

IOSH

“Fantastic service and extremely efficient in helping me with my query.”

Cheers

AAT