Professional Indemnity Insurance

Regular interaction with people is a guaranteed part of any Dental Hygienists and Oral Health Therapists practice and is a daily occurrence. You may face situations where your clients 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 a Dental Hygienists and Oral Health Therapist. PI protects Dental Hygienists and 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.

Your Professional Indemnity Insurance also provides
you with the following additional coverage:

Disciplinary & Regulatory Proceedings

Coverage is extended to include costs relating to investigations and disciplinary hearings by the Dental Council if your professional conduct is called into question or should a complaint be made against you.

Intellectual Property

We’ve all had that moment; where you think of a brilliant business idea only to find someone has already beaten you to it. What happens if you implement a new idea in your business, only to find out that you have unintentionally copied someone else’s idea? Your NZDHA & NZDOHTA Insurance policy protects you against any alleged or actual (and unintentional) infringement of a copyright, trademark, registered design or patent.

Criminal Proceedings Costs

Coverage provides reimbursement to an insured member for defence costs if any criminal proceedings are brought against them in relation to the performance of their professional services rendered in New Zealand; provided the member is acquitted or found ‘not guilty’ of the criminal charge.

Public Relations Expenses

Reputation can mean the success or failure of a business. As an NZDHA & NZDOHTA Member participating in the Insurance Program, you have access to cover for costs involved with engaging a Public Relations Consultant to work with you to maintain your public image where an allegation is made regarding the quality of your professional services which may lead to a claim.

Advance Claim Protection

Coverage is provided for an insured member to engage preliminary legal services and advice prior to an incident being formally accepted as a claim under the policy.

This policy is fully compliant with Dental Council regulation and registration requirements and will be subject to regular review by industry experts to ensure continual cover enhancement.