Contact us to discuss the defensibility of your dental practice: 0203 058 3733 - or This email address is being protected from spambots. You need JavaScript enabled to view it.
Following the Department of Health and Social Care White Paper on "Appropriate clinical negligence cover" the aim of MRSL Enterprise’s Professional Protection for Dentists is to give practice owners and dentists a true alternative to the Dental Defence Organisations.
We aim to be a one stop shop for not only purchasing insurance but also any advice and support needed to allow clients to manage their total cost of risk.
The product leads with the defence of the professional reputation and licence of dentists. We also work with HR specialists to cover HR issues and have access to a data protection lawyer to deal with that type of issue (we have already advised a surgical business client on a data breach issue which is now settled and closed). We have just been asked by a client to advise on dealing with an associate dentist who is not performing to standard. Behind all of this we arrange GDC compliant indemnity with financially strong, regulated insurers. The majority of the indemnity is placed in Lloyd’s.
Our product is making our clients defensible against complaints. This starts with access to a suite of consent forms and advice on a process of obtaining informed consent for all procedures. Informed consent is individual to each patient and goes beyond a standardised consent form.
We have assisted clients to move from a lifetime with a Dental Defence Organisation and understand the concerns that dentists have in making this transition. We provide a complete explanation of the process and issues.
The firm has developed a highly satisfied client base from a combination of attending dental events (King’s College Dental Alumni Weekend – 2yrs in a row; recent BDA training), sending out leaflets and discussion groups on indemnity. We currently arrange insurance for a number of practices and some of the dentists in each of these. The range of work is from oral surgery – implants etc. through to a mix of general dentistry and cosmetics (botulinum toxin and dermal fillers). We cover the entire range of dental services.
We work with eight of the major medical indemnity providers. Each provider has their particular likes and dislikes which means that the best value cover from one practice is likely to be from a different provider to that for a different practice. For example, one of the best insurer for traditional dentistry is very sceptical of cosmetic work and places a very high loading on for practices with cosmetics. In contrast a different insurer is very comfortable and fully understands the risks of cosmetic work and also offers competitive insurance for traditional dental work. We look to obtain three quotes from the insurers most likely to be competitive for an individual prospect or client. We can then find the best value.
The cover provided is traditional indemnity that meets the requirement of The Health Care and Associated Professions (Indemnity Arrangements) Order 2014 as overseen by the GDC. Most indemnity is with Lloyd’s and that which is not is with equivalently financially strong insurers. In addition we provide a legal expense insurance that covers the expense of defending against disciplinary proceedings instigated by the GDC or other bodies with an oversight role (eg CQC).
In many instances we also provide the surgery and other insurances for clients as a one stop shop. Here we seek to line up renewal dates so that busy dental practices have a single time to deal with insurance each year. We provide as much pre-work as we can to minimise the load on clients at renewal.
Data breach is covered to a greater or lesser extent in the standard indemnity and legal expense covers. Depending on the exposure of each client we select covers. We also work with stand alone providers of data breach insurance for those clients who need really robust defence.