Dental Cover

Our surgery insurance policy is designed to ease some of your biggest concerns, by helping to reduce unnecessary expense, save you time and provide the surgery insurance cover you need for your business. Our standard package provides cover for 'All Risks' on Surgery Contents, Business Interruption, Employer's Liability, Public/Products Liability, Glass, Money and Assault.

Surgery Contents
The contents of your surgery are covered against accidental loss or damage, together with the following:
- Precious Metals and Drugs
- Contents temporarily removed (up to 20% of sum insured)
- Your own, employees' and patients' personal effects (up to £750)
- External signs and nameplates (unlimited)
- Crowns, Dental Materials and Documents in transit (up to £2500)
- Portable Office & Dental Equipment away from the premises (up to 20% of sum insured on Contents, maximum £10,000)
- Replacement of locks following loss of keys (up to £1000)
- Damage following explosion of Pressure Vessels

Business Interruption
Covers loss of income due to any of the following:
- Damage (as defined) at the Surgery. Up to £500,000 standard Sum Insured for a 12 month Indemnity Period with options to increase
- Damage to the Buildings (if not insured on this policy)
- Denial of Access, including when caused by acts of the Emergency Services
- Failure of Water, Gas, Electricity or Telecommunications supply
- Closure of the premises due to defective sanitation or notifiable disease
- Loss or destruction of outstanding Patients' accounts (up to £2500)

Other Standard Covers included
- Money Cover, including to and from Bank (£3000 limit with £1500 in Safe)
- Wide Personal Assault Cover included for all employees (not restricted to 'hold-ups'). Up to £10,000 for Death & Capital Benefits, £100 per week for Temporary Total Disablement .
- Employer's Liability, in the event of an employee suffering bodily injury at work (up to £10 million)
- Public/Products Liability (limit £2m.), covering your Dental Practice's legal liability to the general public for accidental injury or damage other than due to Malpractice or Professional Negligence
- Glass cover for plain glass breakage, to include sanitary fittings, mirrors, framework and boarding up costs (unlimited)

Optional Extensions
Your Practice Policy can be extended to cover a wide range of options to suit the specific requirements of your Dental Practice.
- Legal Expenses, with cover and assistance provided by DAS including:
- Employment Disputes
- Legal Defence including Data Protection
- Contract Disputes, up to £5000
- Property Disputes
- Tax Protection

Insurance Enhancements to cover a range of specific requirements:
- Buildings, including Subsidence
- Employee Dishonesty
- Computer Breakdown & Reinstatement of Data
- Personal Accident
- Full Terrorism cover