To insure the buildings against damage such as fire, storm, flood or escape of water.

Damage to equipment at and/or away from the premises.

Cyber Insurance

This can cover damage to equipment for example by, computer hacking or denial of service attacks.

High tech medical equipment can be very expensive and critical to the smooth running of your business – it is vital to ensure that your equipment is correctly insured so that it can be quickly repaired or replaced in the event of a claim.

To cover damage to fixed glass and sanitary fittings.

To cover theft of money from the premises, in transit or the home of an authorised person.

A major incident such as a fire or flood can not only damage your premises and equipment but it also can have a long term impact on your income. Your patients or clients might be forced to change to another provider leading to an immediate loss of income and what if they never transfer back to you? You might also incur significant costs in finding and setting up a temporary alternative premise. Correctly arranged business interruption insurance can help to prevent a loss of income.

Cyber Insurance

To cover loss of income following a data breach, denial of access or cyber attack.

Handling cash or valuable stock can result in theft by employees. This insurance will cover such events.

To provide legal advice and costs of pursuing or defending certain actions such as employment, contractual or property disputes.

To protect the personal assets of a director or senior employee following an allegation that they committed a wrongful act during the course of employment e.g. Health & Safety at Work, employment dispute or financial matters.

To cover legal defence costs and awards made against you arising from your liability at law for injury to your employees.  This is compulsory.

Usually added to Directors’ & Officers’ Liability insurance, this protects the business in the event of an alleged wrongful employment act.

A practitioner’s personal medical defence cover MAY NOT protect the company if a patient or a member of his or her family were to pursue it for compensation for harm allegedly caused.  Even spurious or malicious allegations need to be defended.

With claims capable of quickly escalating to tens of thousands of pounds, it is vital that your dental surgery insurance policy covers you adequately for the risks that you face every day.

To cover legal defence costs and awards made against you arising from liability at law for injury to others or damage to their property arising out of products or services supplied by you.

If you have staff travelling abroad on business, it’s important to provide them with cover for medical expenses, cancellation costs, money, lost passport, replacement employee expenses.

To provide a lump sum payment and/or regular weekly payments following permanent or temporary disablement as a result of an accident e.g. loss of an eye or a broken leg.