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Challenge us to insure your dental practice. Our range of policies have been designed to give you the option of having all your cover in one place, so we can really get to know you and your business:
We can cover buildings and/or contents and liabilities, but we know that you need cover that takes your occupation into account too. Through understanding what you do and how you do it, we know that, for example, cover for precious metals can come in really handy. So we cover this as standard as part of our package policy for dentists. To see more of the bespoke cover we offer, speak to us today.
We are a specialist provider of insurance to the medical professions industry, giving us a unique insight into the sector and the insurance challenges that you face. We are committed to taking the headache out of risk management so that dental practices can focus on providing care to their patients. In addition to providing the policy itself, we also offer services to support dental practices such as HR advice, Health and Safety support and business continuity planning tools; working closely with our customers to minimise risk and any disruption to the running of your practice should the worse happen.
Staff absence in your practice is no doubt something that isn’t always an issue, but it is inevitable you will experience it at some point throughout the year. When it is simply a few days here or there, it tends to be manageable. However, if a member of your team is unfortunate enough to experience long-term absence; it can put additional strain on those picking up the workload, and thus on the practice itself. To hear more about our policy that covers for the financial implication of staff absence by providing a benefit to cover practice overheads or the cost of cover staff, call us today.
While dentists generally receive some form of indemnity protection from their defence union, there are occasions whereby they choose to source their own insurance cover. Whether this be due to historic claims, incidents occurred or simply because they want more security than a discretionary option, we can provide indemnity cover for dentists from one of a range of insurer partners, ensuring the best possible cover to meet your needs is provided. In addition, following the direction change from the Royal College of Nursing, all dental nurses are now required to arrange their own medical indemnity insurance. We offer a low cost solution and can arrange cover for a wide range of activities. To put your trust in Towergate, contact our specialist team today.
We do our absolute best to handle your claim in-house. Should you need to make a claim, we’ll help you every step of the way and get your claim settled with the minimum amount of fuss.
When you give us a call, we advise you to have the details of your claim, your policy number and some photographic evidence (where appropriate) handy to ensure your claim gets off on the right foot.
To discuss your insurance requirements, or to make a claim on your existing policy please call us on:
Read more from Towergate:
Dental professionals are now required to have indemnity insurance in place in order to practice in the UK. From June 2016 the General Dental Council are making this a mandatory requirement. Read this update for more information.
Running a business is a challenge and one that leaves little time to gaze at crystal balls and consider what is round the corner. Pat Ball from Nurseryplan reports on some major issues businesses may face that are often forgotten when arranging adequate insurance protection.
Towergate Insurance speaks to ITN about the importance of appropriate care home insurance cover in the care industry.
You are required to have employers’ liability insurance if your business has employees. The requirement applies irrespective of whether your staff are full or part time. The insurance covers your legal liability to employees if they are injured at work or become ill as a result of the work they do for you. The policy will cover your legal defence costs and will pay compensation to the employee if you have been negligent.
To provide theft cover your insurer will require a minimum level of security on your premises, this will include for example:
Five lever mortice deadlocks complying with British Standard 3621 on all final exit doors.
Key operated window locks to be fitted on all ground floor and accessible opening windows.
Please refer to your policy wording for full details as the requirements can vary according to the type of door and windows you have. This will not apply to any door or window officially designated a fire exit by the Fire Authority.
Our policy provides 24/7 cover worldwide covering a wide range of activities. If your staff member’s hobbies and activities are more adventurous than tennis or football, just let us know and we can cover most activities from scuba diving to skiing.
If a member of staff returns to work within 26 weeks of an absence and the same condition re-occurs, the same claim can continue with a nil week excess period.
Medical indemnity insurance cover includes acts or omissions in the course of your professional duties. This can include injury, misdiagnosis, delays in referral, physical or mental harm to a patient. It doesn’t cover against incidents that occurred before the life of your policy.
If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
To find out more about PCL and direct debit payments, select Direct Debit.
To understand more about how PCL work together with Towergate, please read our Regulatory Information.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.