As a dental hygienist or dental therapist, you may own and transport equipment to and from the dental practice(s) you work at. As such, you want to be sure that if your equipment is stolen or damaged you have the financial resources to replace the equipment. If you sell products, you might transport these along with your equipment on a regular basis. In this case, you will need insurance for transporting expensive equipment and products. We provide a standalone medical equipment insurance policy, including whilst in-transit, which offers financial protection for apparatus that is crucial to your professional life.

If you are a self-employed dental hygienist or therapist, you will be aware that you are responsible for bearing the cost of anything that might go wrong. When you have the right insurance in place you can focus on your job without the worry of how to meet costs should a non-clinical accident take place and a compensation claim be brought against you. Similarly, if your equipment is stolen or damaged you probably have a time period where you might be unable to practice as a hygienist or therapist, while you source replacement equipment. The Equipment-in-Transit Insurance we offer can cover the cost of replacing or repairing equipment, and even provide cover for loss of earnings in the form of Business Interruption Insurance.

We provide policies that can be tailored to protect your individual circumstances to provide the protection you need, and we’ll facilitate the whole process of arranging your insurance, from start to finish.

 

Call: 01823 250760

Cover available to you

The following insurances can be included in your Self-Employed Insurance policies to enhance the standard protection, dependent on your specific needs:

  • Employers’ Liability Insurance – a legal requirement if you employ people to work for you.
  • Business Equipment Insurance – insurance for business equipment which includes loss and damage whilst at the premises, or within Europe and Worldwide for up to 30 days.
  • Stock Insurance – provides financial protection for any stock you may have.
  • Business Interruption Insurance – should you need to stop trading or working due to an insured event, Business Interruption Insurance can help reimburse the lost income or alternatively cover increased costs relating to the continuation of operating your business.
  • Personal Accident Insurance – can provide compensation should you or your employee become seriously injured or die through accidental bodily injury.

 

Automatically included as standard

  • Legal Expenses Insurance – can cover legal fees that arise from legal disputes.
  • Product Liability Insurance – covers costs associated with you or a member of the public falling ill or becoming injured because of a product they buy from you.
  • Public Liability Insurance – covers costs that may arise from a non-treatment-related injury to a member of the public that you have allegedly caused.
  • Money & Assault Insurance – covers loss or theft of money from your business premises, home, or in-transit, and bodily injury to you or your employees because of assault whilst carrying money belonging to the business.

We have experienced claims handlers who are on-hand to help, from assisting you in sourcing correct documents to support your claim to working on your behalf to resolve a claim swiftly.

 

To discuss Equipment-in-Transit policies we provide, please call our team of insurance advisers today.

Lloyd & Whyte® Ltd are authorised and regulated by the Financial Conduct Authority. Registered in England No. 03686765. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Calls may be recorded for use in quality management, training and customer support.