UK Dentists Insurance
UK dentists have a challenging
enough job caring for the avulsed, cracked and rotting teeth of
their patients without worrying about any possible problems that
might result from accidents, natural calamities or lawsuits. No one
can forecast all of the dangers that may suddenly strike a business,
shop or office. That is why there is UK insurance from sites such as
www.piihub.co.uk to assist
dentists in protecting their livelihoods against any and all
As medical practitioners, dentists have spent plenty of time and
expense in developing the professional skills to properly treat
their patients. Helping patients with preventative care, oral
hygiene and dental products is an extremely important job in
society. Toothpaste, toothbrushes, whitening products and extreme
surgery jobs, like a root canal, show the vast range of skills
needed in the dental profession.
Many patients already have an innate fear of the dentist due to
guilty feelings about not brushing enough and concerns over dental
work. Once teeth begin to deteriorate, they become very sensitive
and can be very painful. If any oral problems occur - like jaw pain
or toothaches - some patients might be more prone to blame the
dentist for these maladies.
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Professional indemnity (PI) insurance is tailored for medical
practitioners who must deal with a myriad of issues, such as, false
allegations, slander or libel that can quickly damage a dentist's
good name and business. PI insurance also protects the employer's
vicarious liability covering acts of commission or omission by the
dentist, dental assistants, receptionists or nurses under the
dentist's instruction. Professional indemnity insurance can also
provide protection against lawsuits for specific treatments (botox
and dermal fillers) that may arise.
The UK General Dental Council (GDC) has articulated in its
"Standards for Dental Professionals" that all dentists should make
adequate and appropriate arrangements for compensating patients for
any accidents that may occur during treatment. Dentists must
evaluate risk and act accordingly to protect themselves, their staff
and patients. Developing a risk management strategy entails
purchasing enough dentist insurance to protect against accidents,
natural disasters, crime and medical malpractice lawsuits.
UK general dentists' insurance covers the most basic elements of
running a business: stock in transit or on premises; fixtures and
fixings, like dental chairs, drills and polishers; and information -
medical records and computer databases. Insurance can protect money,
credit card information and financial records.
Accidents happen all of the time, don't be caught unaware or
unprepared. Insurance can protect the dentist's business from
break-ins and theft. Protect against intentional malicious damage
from riots or terrorism. Natural disasters - lightning, fire and
water damage - can occur quickly wiping out a thriving business.
Also, premises insurance protects against slip-and-fall litigation.
The dentist is the key to running the business. Yet, unforeseen
circumstances can arise due to personal issues or damage due to a
calamity that requires time to repair, remodel or replace stock,
equipment or the building. Business interruption insurance protects
the livelihood of the enterprise while repairs are being made.
Practice absence or ("locum," which means "place-holder" in Latin)
insurance protects against extended absences of the dentist.
Dentist insurance will help pay for defending dentists against
litigation. Legal costs can rise quickly with solicitors, advocates,
court fees and adjudication costs. Insurance companies can provide
24-hour help lines that can give advice to dentists facing possible
litigation. Legal protection can be provided at inquest proceedings
and fatal accident enquiries too.
Insurers can provide commercial legal advice - health, safety and
employment - to help your business manage risk. Supplementary legal
expense insurance is also available if your business is in a high
at-risk category. Protect yourself against con artists who will make
false allegations and engage in frivolous lawsuits.
Some policies can provide legal defence protection at disciplinary
committee proceedings before health authorities, health boards, a
primary care trust or professional industrial boards, such as the
General Medical Council (GMC) that will rule on complaints and
charges of misconduct. These bodies can take a considerable amount
of time to adjudicate medical cases. Get the legal representation
you need to safeguard your business.
While UK dental defence organisations might offer some dentist
protection coverage, the benefits are "discretionary," meaning that
they may or may not defend you against lawsuits. Some health care
groups also might require dentist insurance coverage.
UK dentists need to protect themselves, employees and patients
against injuries that might occur while at the dentist's office. "An
Ounce of Prevention is Worth a Pound of Cure." Dentists teach their
patients to prevent tooth decay; likewise, dentists must prevent
potential problems from destroying their practises.
Dentists have spent many hours preparing for their work, it only
pays to prepare for unforeseen circumstances that could damage their
businesses. Malpractice suits can easily destroy a dental business.
Ease your anxiety, don't allow one mishap to endanger your entire
business. Select the best UK dentist insurance to protect your
and all rights reserved by John Crossman 2010