Regular interaction with patients is a guaranteed part of any Oral health Therapists practice and is a daily occurrence. You may face situations where your patients look to hold you responsible for injuries they deem to have received as a result of your professional services.
Professional Indemnity Insurance (PI) protects you against liability or allegations of liability for financial injury or damages that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as an Oral Health Therapist. PI protects Oral Health Therapists by ensuring that your legal defence is coordinated and paid for if a claim is made against you. Your PI also covers the cost of patient compensation or damages.
It is important to note that coverage is afforded on a “claims-made and reported” basis and will respond to claims made during the policy period. This means that the policy which is in place when a claim is made will be the policy to respond – regardless of when the incident occurred. Therefore, it is extremely important there is no gap in coverage between policy periods. Coverage needs to be continuously in place to ensure your insurance is uninterrupted.