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As a separate legal entity, an incorporated company can be the subject of a claim or complaints arising from the provision of dental services.  Individual practice principal membership would not extend to include assistance for an incorporated business, which requires its own protection. With recent legal challenges relating to claims arising from alleged vicarious liability and non-delegable duty of care, dental companies may now find themselves at greater risk of being the subject of a claim.


Our new product Company Protection offers peace of mind for incorporated companies, providing the unrivalled defence, advice and support you can rely on from Dental Protection. 

Download application form

 

What is Company Protection?


Company Protection is a membership for the entity itself that allows directors/corporate officers to request assistance should legal challenge be brought against the company/entity. This product sits separately and in addition to your individual practice principal membership with Dental Protection. It’s optional to apply, but Dental Protection will be unable to support with a case against an incorporated company without Company Protection membership. 

Please note that whilst your individual Practice Principal membership is provided on an occurrence basis, Company Protection membership is offered on a claims-made basis. This is considered the most suitable type of protection for dental companies and allows assistance to be requested for claims or complaints that arise from an adverse incident that occur during the company’s current membership with Dental Protection.  


Find out more about Company Protection and claims-made indemnity

 

Company Protection at-a-glance


  • Claims indemnity limit of £1m for each claim and in the aggregate
  • Up to 10 years retroactive protection.  Requests for greater than 10 years will be individually considered*
  • Redirection of claims that assert the company as being vicariously liable or having a non-delegable duty of care
  • Defence costs for legal proceedings brought against the organisation where efforts to deflect the claim onto the treating clinician have failed, if applicable
  • Payment of compensatory damages for any claims brought against the organisation where they are found to have vicarious liability or a non-delegable duty of care, if applicable
  • Access to dentolegal advice and support
  • Help from our Press Office with unwanted media attention
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Who is eligible? 


Any incorporated dental company with employees and a gross annual turnover of less than £6m can apply for Company Protection. 

If your company has a turnover of £6m or more, please visit healthcareprotection.org to find out more about our insurance offering for dental corporates. 

If any of your practices are non-incorporated, please visit our Vicarious Liability hub for guidance on how we can support those separately with claims relating to vicarious liability or non-delegable duty of care. If you have a mixture of incorporated and non-incorporated practices, click here to view our FAQs.

 

Apply for Company Protection


Company Protection is a membership for the entity itself, allowing directors/corporate officers to request assistance should legal challenge be brought against the company/entity. Subscription rates are based on the individual circumstances of your company.  For example, the number of dentists and other employees working within the company, the number of Dental Protection members, and the level of retroactive protection required.* Here are some examples of what different limited companies can expect to pay: 

Limited company one

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Three dentists, one hygienist and four dental nurses

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All are Dental Protection members

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One year of retroactive
protection*

Estimated cost per year: £250

Limited company two

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Two dentists, one hygienist and two dental nurses

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All are Dental Protection members, bar one of the dentists

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Five years of retroactive
protection*

Estimated cost per year: £306.45

Limited company three

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Six dentists and three dental nurses

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Four of the dentists and all nurses are Dental Protection members

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Eight years of retroactive protection*

Estimated cost per year: £635.23

 

These prices are example only, based on the circumstances cited. Each Company Protection membership is priced based on individual circumstances of the company. 

You can apply by completing the Company Protection application form. Please complete a separate version of this form for each limited company that you’re seeking protection for. For example, if you are applying for membership for three limited companies, three separate versions of this form would need to be completed. As separate entities, each limited company will hold separate membership agreements. 

 

Download application form

 

*Existing Dental Protection members will be purchasing Company Protection from the date of the application rather than the date of incorporation, the option to add retroactive protection was withdrawn with effect from 1st June 2024. 

 For new members to Dental Protection, the option to apply for retroactive protection for the entity is still available. 

Contact us


Got questions about Company Protection? Email us at [email protected].

 
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