Insurance for dentists
When it comes to insurance, we don't want you to simply go with the flow. Which is why at Guild, we're constantly evolving to reflect the real-life needs of dentists like you.
Join Guild Insurance today and choose to be protected by an insurer that's worked hand in hand with ADA NSW, ADA SA, ADAVB and ADATAS for over 25 years.
Professional indemnity and liability
Protects you for what you do as a dentist.
Business
insurance
Protects your dental practice and items in it.
Professional indemnity insurance covers you for your civil liability when a claim arises from a breach of your professional duty. For many professional policies at Guild Insurance combine professional indemnity, public liability, and product liability to cover more of your professional duties. Business insurance, on the other hand, is a broader category that encompasses various types of coverage designed to protect businesses from a wide range of risks. This can include property damage, theft, and liability claims from third parties.
For professionals providing advice or services:
- Assess your service risk: Evaluate the potential risks associated with your professional advice or services. Consider the possibility and implications of your advice or actions leading to a client's physical, psychological, or financial detriment. Reflect on the likelihood and consequences of a situation where an error or omission on your part could lead to legal action.
- Understand legal requirements: Familiarise yourself with the legal and regulatory landscape relevant to your profession. Is holding professional indemnity insurance a legal requirement or an industry standard in your field?
For certain contract positions and many allied health professionals regulated under Ahpra require professional indemnity and/or public liability insurance. - Consider your financial exposure: If faced with a legal claim, could you afford the legal defence and potential damages out of pocket?
For business owners protecting their operations:
- Identify your business assets: Determine which physical assets are crucial to your business operations, such as property, equipment, and inventory. Consider the consequences if these assets were damaged, stolen or lost.
- Evaluate liability risks: How likely is it that someone could be injured or their property damaged because of your business activities? This includes both public liability and product liability.
- Consider business interruptions: Think about the resilience of your business in the face of unforeseen events that might force temporary closure. How would such interruptions impact your financial stability?
If you are unsure of the cover you require, please contact us on 1800 810 213 to speak to an insurance specialist.
Key Product Features
Discover the limits and coverage built in to every Guild dentist liabilities policy.
Renewal FAQs
See the latest frequently asked questions and information for renewals in 2025.
Association Endorsed
Find out more about our long standing partnership with several branches of the ADA.
Hear from other dentists
01/03/2025
Jane P. at Guild is very professional, very pragmatic, very knowledgeable. Guild is fortunate to have her as a staff member.
30/09/2024
Meridian have been exceptionally attentive and supportive during a very difficult time.
01/09/2024
All positive. Especially the handling of a case against me a few years ago which was successfully defended.
Working with over 130 associations
Insuring Australians for over 60 years
100% Australian owned
Learn how Dentists avoid claims with RiskHQ
Preventing glass damage
Don’t underestimate the inconvenience of damaged windows or shop fronts. Prevention is always better than cure!
- Reduce the opportunity for damage by installing:
- break resistant glass
- grilles and shutters over windows and shop fronts
- video surveillance and monitored alarms
- ‘glass break sensors’ for early alarm activation
- window locks
- adequate lighting and perimeter fencing
- clear signage alerting people to your security measures
- Regularly check the area around your premises for any loose or unsecured items that could be used to damage windows or property – e.g. bricks, bottles or other rubbish.
- Reduce the risk of vehicles crashing through glass doors and windows by installing bollards as a barrier.
- Consider planting low shrubs in strategic locations to make it difficult for vandals to access windows or signage.
- Think carefully about the signage or advertising you include on your windows or shop front.Images such as large smiling faces may be appealing to vandals looking for something to damage!
- Consider applying protective film to glass surfaces to minimise acid damage caused by graffiti and the like.
- Don’t delay cleaning up any graffiti or rubbish.The longer you leave it, the more likely it is to accumulate.
- Work collaboratively with other businesses and police to reduce the risk of vandalism and malicious damage.
- Don’t invite a break-in by leaving valuable items visible after hours.
- If you use cash registers, leave the draws open out of hours to show they’re empty.
- Where appropriate, display valuable stock on mobile stands that can be easily moved out of view.
- Lock mobile devices, such as laptops and cameras, away.
If glass damage does occur, report the incident to Guild Insurance as soon as possible on 1800 810 213.
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- Rehab Provider
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- Business
Login to PolicyHub for all your policy needs
- All-In-One Dashboard: Manage all your policies and documents in one place.
- Easy Updates: Quickly update personal and business details online.
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- Claim Management: View current and past claims effortlessly.
- Flexible Payments: Update billing details.
- Policy Renewal & Reinstatement: Renew or reinstate policies with ease directly through PolicyHub.
- Certificates of Currency: Obtain proof of insurance with just a few clicks.
FAQs
The law governs that any professional exercise the required skill to an appropriate level expected by that profession. A professional may be liable for financial loss, injury or damage arising from an act, error or omission of fault if the professional has not acted to the required level of skill deemed in that profession. Failure through this may result in the claimant (person who suffered the loss) be awarded for that loss, damage or injury.
Many professions require you to hold a professional indemnity insurance policy by law, such as Ahpra registered professions, but can be for other industries such as financial institutions also. Please check with your registration body or associations of your profession to know if it is required by law to have professional indemnity insurance. It is often also required by companies who take on contract workers that are not governed under the companies own insurance policy. It is acceptable for a company to ask you as the professional contractor to provide evidence of cover for professional indemnity before starting the contract period.
As stated above professional indemnity insurance covers you for breaches in relation to your professional duty. Liability insurance covers you for activity that results in personal injury or property damage as a result of your business activities that do not relate to your specific profession. An example may be someone who trips and is injured from spilled water within your office may be covered under liability, because it is your duty of care as business person to provide a safe environment. Whereas a person who suffers a loss or injury because of your professional treatment in relation to your job has caused it would usually be consider as an indemnity breach.
Generally business insurance is to cover the physical assets of your business for material damage loss and options for theft cover. It can also include cover for financial loss due to business interruption. Usually basic insurance does not cover breach of duty or flood cover, but if you speak to an insurance specialist it can often be added to your policy for a nominal fee.
Depending on the policy you are taking out, covers will often vary. At Guild insurance we specialise in making a policy to suit your business so that you are not over paying for covers you wouldn't normally need. The best thing to do is call 1800 810 213 to speak to an insurance specialist, they can find out what activities and structure your business is in to then provide you with adequate cover for you.
A certificate of currency (or COC for short) is a written document that confirms that your insurance policy is current and valid at a specific date and time. At Guild we provide easy access to your COC at any time within a few clicks of our online portal PolicyHub. If you are a new customer we can provide you with one post purchase.
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