Protection For Professionals
You Protect The Nation's Teeth, Who Protects YOU?
Finding the policy, you deserve
The consequences of something going wrong can be painful... The patient, your reputation and bank balance will suffer. Our expertise in finding the right cover will protect you and your business. Payments can reach £30,000 plus, from lost teeth to periodontal disease claims - getting this wrong can be costly.
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Really, insurance is a simple business. Only two factors are of real concern to clients, premiums and claims.
Premiums are about understanding the risk. Because of the diverse nature of our business, we have doctors and dentists inhouse. This enables us to use the medical literature to assess clinical risk based on the huge body of data available and to produce a technical price for underwriters (clinical risk and an assessment of the cost of claims). All of this matters as it means we can obtain the appropriate price.
The claims side is where we offer support. The work we do in this area does not happen in any other brokerage, and that is a feature of Chris Cloke Browne’s and Roger Houston’s background. Our core value on the claims side can be summarised as follows:
The successful long term management of a relationship with an insurer will involve keeping attritional costs to a minimum. A major factor in driving premium costs are claims handling costs and these are taken as an absolute figure. If insurers spend £100,000 on irrecoverable costs in successfully defending 5 cases, this counts every bit as much as £100,000 spent on compromising a claim where the doctor/dentist has been negligent. The impact of costs on future premiums is binary. Dentists and others often complain that costs associated with rejecting claims without merit should not count against them… Insurers only see the money they have spent; so we need to keep attritional costs away from them.
Existing dental clients will be happy to speak to you independently and tell you of their experience of being supported through a compliant or claim by us…
Our individual tailored approach provides the contractual security of an insurance contract regulated by the Financial Conduct Authority. This provides contractual certainty for dentists. Membership of a Medical Defence Organisation provides access to membership benefits entirely at the discretion of the membership organisation. See further reading for examples...
Examples of memoranda & articles are below:
MDU Memorandum and Articles of Association clause 45 (3), powers of the Board of Management:
"Any such advice or legal assistance or defence may be granted or terminated by resolution of the Board of Management or any authorised committee or decision of any authorised agent and the giving of advice or legal assistance or defence in every case shall be made only upon such terms and conditions as the Board of Management committee or agent shall think proper and it shall rest only in the absolute discretion of the Board of Management committee or agent in every case to limit or restrict the giving of such advice or legal assistance or defence or altogether to decline to give the same or to terminate any advice or legal assistance or defence so given without assigning any reason."
MPS Memorandum and Articles of Association clause 40 (1), Discretionary Indemnity:
"An indemnity pursuant to clause 3(E) of the memorandum of association of the Society may be granted by the Society to any qualifying applicant in respect of a qualifying claim and all losses (whether incidental, consequential or otherwise), damages, costs, charges and expenses connected with a qualifying claim. The grant of an indemnity shall be entirely in the discretion of the Council, who shall have the power to impose such terms and conditions on the grant of any indemnity as it thinks fit, and may in its absolute discretion limit or restrict such indemnity or decline altogether to grant the same."
We are an end to end commercial alternative for dentists. Our menu of policies is as follows:
|Type of cover||What’s Covered||Typical Premium|
|Disciplinary Cover||Cover in respect of legal costs associated with representing you throughout a disciplinary process, for example a General Medical Council or General Dental Council Hearing.||£200 - £500|
|Medico Legal Reporting||Without examining the patient||£400 - £600|
|Medico Legal Report with Examination||This cover includes medico legal reporting without examining the patient and medico legal reporting with examination||£500 - £1000|
|Dental Negligence||The HPPB approach is to understand the work of a practitioner through the clinical work undertaken||POA|
For all clients who undertake medico legal reporting we review reports to avoid the pitfalls highlighted in the case of Jones v Kaney (2011) and are also happy to discuss any concerns a client may have going into a joint experts meeting.
For more information about our products and services please do not hesitate to contact us on + 44 (0)203 058 3733 or click on the type of cover you require and complete the form.