Dentist
Were you the lucky winner of one of our iPads?
Thanks to everyone who provided their home and car insurance renewal date as part of our ‘Win an iPad’ competition!
The three lucky winners were:
- Luke Madden
- Caroline McCabe
- Ralph Mesiti
Congratulations, we hope you all enjoy your prize.
Competition Winner
Congratulations to Kim White from Bunbartha VIC who won a 1981 bottle of Penfolds Grange at the Australian Dental Congress held in Brisbane from 30 March – 3 April 2011.
Importation of Dental Appliances and Equipment
Paul Baker and Lauren Stalley of Meridian Lawyers, on behalf of Guild Insurance, analyse and discuss the legal issues flowing from the use of dental appliances and equipment imported from overseas by practitioners on their patients in
This article will address issues touching on this situation in the context of the legislative requirements, related duty of care aspects, and professional indemnity insurance considerations.
Do I need my own cover?
Is professional indemnity (PI) insurance cover best held by the employer or the individual practitioner?
Guild Insurance provides cover on an individual practitioner basis as we view this as the best way for dentists to meet their PI insurance requirements.
The new PI insurance standard of national registration requires that registered dentists maintain insurance at all times when practising. To meet this standard, dentists need to consider having their own PI insurance in cases where they practice outside their employment.
A distinct advantage of having cover on an individual basis is that it is portable and covers a dentist in a broad range of circumstances where they may not be covered under their employer’s policy but could still be liable, including when working in multiple practices.
While it is possible under national registration to be covered under a group policy, this cover may not provide the best protection for the individual practitioner.
There are circumstances where the ‘law of vicarious liability’ may not protect practitioners in the employ of others. For example, if you are deemed to be acting outside of the scope of your position of employment.
A broad defence mounted by your employer may also not safeguard your specific professional interests. With your own insurance, you can be sure that your best interests, rather than your employer’s, are being defended.
Consider also that some of these policies may not provide cover for legal expenses associated with inquiries and proceedings. Facing a disciplinary inquiry can be stressful and potentially expensive. When a regulatory body makes a decision against a practitioner, the likelihood of a civil suit also increases. This is why Guild provides dentists with cover for legal support to aid their defence in disciplinary matters.
Combined Liabilities
Public liability claims may also be made against the individual practitioner or the employer. That is why Guild provides a combined liabilities cover to offer peace of mind. For dentists insured with Guild, products liability, public liability and professional indemnity are all covered under the one policy.
Am I covered if I…?
At Guild we often receive questions about whether we cover ‘this’ or ‘that’. It is difficult though to make assumptions as each claim has its own specific set of circumstances.
Guild provides cover for the full scope of dental practice that you are qualified and registered to perform. The best advice we can give is stay within the regulations and your qualifications and have peace of mind that you are covered.
For more information contact Guild Insurance.
"Switch your Insurance and win a Navman" competition winner
The winner of this competition is Peter Pitt from Tasmania. Congratulations Peter!
Affected by the floods? Give us a call
Guild Insurance customers affected by the floods in Queensland are encouraged to call us for assistance.
We are already working with a number of customers affected by the floods, to process their claims and start the road to recovery.
If your home or business suffers damage, you can contact us anytime on our 24/7 emergency claims lines.
Businesses call 1800 810 213
Home and car owners call 1300 988 988
Top 10 home security tips for the holiday season
Summer is a time to enjoy the company of family and friends and maybe even a trip away. To help you keep your summer a safe and happy one, here are our top 10 home security tips for the holiday season.
How will your insurance respond in the event of a claim?
While it can be easy to view all insurance covers as one-and-the-same, each insurance policy provides different levels of cover and every insurer responds with different levels of service to support you in the event of a claim.In the event of a claim, some key things that you are likely to consider are:
Many roads to recovery – take the fast one
Severe weather incidents have wreaked havoc across Australia already this year. Hail the size of golf balls, tropical cyclones and storm water have caused significant damage and costs for businesses in affected areas. It provides a timely reminder of how adverse events can affect anyone and the need for the right protection.
Welcome to the new Guild Insurance website
If you’ve visited us before, you may notice that our website has changed. With our new site, we are hoping to improve your experience and to provide you with more information and tools.
At Guild Insurance, we are always looking to improve the customer experience and will continue to update and develop this website to provide you with a better service.
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