Dentist Insurance

Dentist Insurance from PSC Direct: dentist insurance advice and quotes at your fingertips.

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Australia’s Dental Services industry has benefited over the past five years from the country’s ageing and growing population as well as the increase in private health insurance coverage. Dental businesses contribute $9 billion to the economy annually and create employment opportunities for over 34,000 people across the nation; as such, they should be protected.

Dentists assume the important role of diagnosing oral injuries and infections, operating on them, and prescribing medication and treatments to patients. Such great responsibility should be backed up with a comprehensive insurance policy.

What is Dentist Insurance?

Dentist Insurance is specialist business insurance curated to address the specific risks faced by businesses in the dental sector.

Dentist Insurance can help your business survive the unexpected, with minimum losses.

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What Risks May Dentist Insurance Cover?

Dentists face a wide range of risks in their role due to the environment they work in and instruments they use. Some examples of specific risks that may be faced by Dental Professionals include:

  • Manual Handling: The repetitive use of certain pieces of dental equipment can cause sprains, strains and fractures to employees who use them frequently.
  • Falls: Employees or patients may slip on leaked liquid on the floor or trip over dropped utensils. This can cause fractures, bruises, lacerations or dislocations and even permanent injuries, which the dental practice may be held liable for.
  • Electricity: Dental offices are full of pieces of electric equipment such as dental instruments and lighting, which can cause shock, burns or electrocution if they are used incorrectly or not properly maintained.
  • Hazardous Substances: Dentists use chemicals for photography, infection control, hygiene work and lab work as well as for cleaning and maintenance. If these chemicals aren’t stored properly, they can cause injuries to the skin and eyes.
  • Professional Indemnity Risk: Dentists are open to civil liability suits incurred by claims that are made as a result of a negligent act, error or omission in the conduct of the practitioner.

Dental Insurance can address your risk exposure by offering financial protection in the event that the worst happens. Speak to an insurance broker at PSC Direct for specialist advice.

What Are the Key Elements of a Dentist Insurance Policy?

PSC Direct can source a range of covers for Dentists across Australia. The most appropriate cover for your business depends on your individual circumstances, however a typical Dentists Insurance policy may include the following covers:

  • Commercial Property Insurance: Insurance that is used to cover any type of commercial property. Commercial property insurance protects commercial property from such perils as fire, theft and natural disaster.
  • Electronic Equipment Insurance: Electronic Equipment Insurance covers your business for associated costs and losses in the event that any of your electronic equipment (such as computers, laptops or telephones) breakdown.
  • Professional Indemnity Insurance: Designed for professionals who provide advice or a service to their patients. Professional Indemnity insurance will protect you against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business.
  • Public Liability Insurance: Protecting you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or ‘pure economic’ loss resulting from your negligence.
  • Tax Audit Insurance: Tax Audit Insurance covers professional accounting fees that arise from an audit conducted by the Australian Taxation Office (ATO) or any other Australian (Federal, State or Territory) government agency, which has the statutory responsibility to conduct audits in relation to taxation, duties, or levies.

Who Needs Dentist Insurance?

Australia’s Dental Services industry has benefited over the past five years from the country’s ageing and growing population as well as the increase in private health insurance coverage. Dental businesses contribute $9 billion to the economy annually and create employment opportunities for over 34,000 people across the nation; as such, they should be protected.

Dentists assume the important role of diagnosing oral injuries and infections, operating on them, and prescribing medication and treatments to patients. Such great responsibility should be backed up with a comprehensive insurance policy.

How PSC Direct Works for You

The team at PSC Direct comprises specialist business insurance brokers, experienced in sourcing insurance for Australian SMEs. We care about the clients we service and want to fully protect their businesses. That’s why we treat each and every one as an inividual entity, considering their unique requirements to source the most appropriate cover that will offer the upmost business protection.

PSC Direct Insurance Brokers use online systems to review your business. We draw on our experience with thousands of similar businesses across Australia to match your needs to our database of indexed insurance policies. In order to ensure you have the most appropriate cover, our insurance brokers will fully review any policy before it is recommended to you.

PSC Direct is an entity of PSC Insurance Group, one of Australia’s largest private insurance broking houses. This affiliation offers us access to a range of leading insurers and underwriters as well as membership of a range of national and international insurance organisations. Part of such a wide insurance network, PSC Direct is best placed to source cost effective covers for our clients.

Protecting your business is important to us. We understand that insurance can be complicated, and we’re here to simplify it for you. We provide advice and cover to a range of businesses across Australia, in industries from Accounting to Engineering, Mining, Retail and Trucking. We know the policies necessary to fully protect your business and assets in the specific sector you operate in.

We are able to offer a range of policies from standard Public and Products Liability to more specialised covers such as Management Liability, Commercial Property, and Cyber Insurance and Tax Audit Insurance. We’re not only here to source your policy but to develop a business partnership with you. We will work with you as your business changes to offer alternative or additional insurance policies, or in the event of a claim, we’ll assist you until settlement.