Specialist insurance solutions for dental and orthodontist practices
Our experienced team has expert knowledge of the threats facing dental practices every day. Risks such as unexpected staff absences, damage to surgery premises and accusations of malpractice, are just some examples that can cause costly financial implications, disruptions and harm to surgeries and dentistry professionals alike.
To help safeguard your dental practice from these risks, we offer bespoke insurance solutions designed around the particular needs of medical providers. Taking a holistic approach to risk management, we help map out the exposure to risk and will advise the right level of cover for your need.
We aim to provide real value to our clients, who are continually squeezed on cost. Having recently combined our care and medical practices, and being part of the world’s largest majority employee owned insurance intermediary, we now have even more negotiating power with insurers and are able to secure more competitive terms for our clients.
Our team has many years’ experience in delivering innovative business insurance solutions for dental practices. Some of our products include:
Practice Overheads Insurance / Locum Insurance
Our Practice Overheads Insurance policy is designed to cover against unexpected staff absence within your practice, helping to provide the necessary financial security to protect and sustain the continuation of your business.
Our Surgery Insurance cover is a comprehensive bespoke product designed to cover the buildings, contents and liabilities of a Dental Practice. Opposed to offering generic insurance policies, our approach is to map your business’s exposure providing you with a first line of defence against risks such as property damage, loss of dental equipment, legal expenses and business interruption.
Partnership Protection insurance secures shareholder interests in your medical practice. Following the death of one of your shareholders or business partners, their share of the practice typically becomes part of their estate and pass on to their beneficiaries. They could even sell this to a third party. The Partnership Protection product provides a lump sum back to the business in the event of a covered loss, allowing the share to be retained by the practice and current ownership to continue.
Throughout our many years of experience, we have seen the dental profession be exposed to the full brunt of litigation. To help safeguard claims of malpractice our dedicated team can protect your surgery against risks such as breach of duty & loss or damage.
Dental Hygienist and Dental Therapist Insurance
In November 2016 we launched BSDHT Indemnity, a new product designed by the British Society of Dental Hygiene and Therapy (BSDHT) and Howden specifically for dental hygienists and dental therapists. This bespoke policy has been underwritten by A-rated insurer, Beazley and covers every criteria in the General Dental Council’s scope of practice. For all enquiries please contact BSDHT@howdengroup.com or call 01273 523 664.
I have known the consultants at Howden for quite some time now and the service has been nothing short of exceptional. If you’re looking for a long term, sustainable insurance arrangement then give these guys a call.