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1 Insurance for Dentists Insurance In association with

2 It s refreshing to deal with real people who relate to me and understand dentists.

3 Welcome As a dentist, we know that you understand the importance of providing a quality, caring and reliable service. At Guild Insurance (Guild) so do we, and it s this understanding that has helped us to establish lasting relationships with dentists across Australia. These relationships are based on providing advice you can trust and products that help to protect you, your business and the people you work with. Working with Australian Dental Association in NSW, SA, TAS & VIC. Through these partnerships we have developed a range of services, designed to meet the needs of dentists. That s why each branch continues to refer its members to Guild. What makes Guild different? Our profession specific cover and customer service approach is what really sets us apart from other insurers. We believe that personal, one-to-one service is essential if we are to truly understand and help our clients. Through our national network of local regional offices we can serve you directly, and at your convenience. The reliable team at each office has years of experience, and they will support you every step of the way. Whether you re making an insurance claim or needing legal advice, you can be assured of receiving personal service from people who care it s the Guild way of doing business! 1

4 It s reassuring to know that Guild understands the risks I face.

5 Dentists Liabilities Insurance Guild s Dentists Liabilities Insurance has been designed specifically for you. Within one policy you automatically receive the following covers: Professional Indemnity Professional Indemnity insurance provides cover for claims made against you for a breach (act, error or omission or conduct) of your professional duty as a dentist in the conduct of your dental practice. Cover is also provided for libel and slander, wrongful arrest, Trade Practices Act and Fair Trading Acts. Public Liability Public liability covers your civil liability for claims made by third parties (patients, members of the public, visitors, trespassers, contractors, etc) who may be physically injured or whose property may be damaged, or both, arising from your business. Goods Sold and Advice on Goods Sold Goods Sold and Advice on Goods Sold covers you for your liability for claims arising from goods sold or supplied by you, in connection with your occupation as a dentist. For example (but not limited to) mouthguards, etc. Legal Fees Cover. Within the same policy we automatically provide you with cover for Legal Fees. This cover protects you by providing up to $100,000 to cover the legal costs and expenses which you may incur in relation to an official investigation, examination or inquiry. In association with 3

6 It s good to know that I have access to an award winning risk management team.

7 Risk Management Helping You to Minimise Your Risks Providing expert risk management services is a fundamental value-add to our clients. That s why we ve made identifying the risks you face, and providing appropriate risk guidance tools and solutions, an integral part of our insurance service. Guild Risk Services. Guild Risk Services is a dedicated risk management team within Guild that works to develop targeted risk management guidance and solutions. Guild Risk Services aims to assist you in making risk management a fundamental part of your dental practice. Risk Team of the Year. Guild Risk Services has been awarded Risk Team of the Year in the Australia and New Zealand Insurance Industry Awards in 2008, 2007 and 2005 for excellence in their provision of value-adding risk management services to Guild Insurance clients. Australian Dento-Legal Review (ADLR) Each year since 2002, Guild has published the ADLR. This highly respected publication addresses risk management and legal issues affecting Australian Dentists and is produced with expert contributions from Australian dentists and legal professionals. Riskequip Riskequip is a dedicated risk management website for Guild Insurance clients. It provides advice on identifing risks in a dental practice and self-assess surveys so you can see how well you are managing your risks. Riskequip also includes articles and real case studies. Visit riskequip.com.au/dentists. 5

8

9 Customer Satisfaction Would you recommend your insurer to a colleague? The needs of our clients are our number one priority! To ensure that we are living up to our customer service promise we regularly survey our clients after they have made an insurance claim and ask them about their experience with Guild. In each survey we ask would you recommend Guild Insurance to a colleague?. Below are the results of those who answered yes to this question since % December % August % April % December % August % April % December % August % April % December % August % April % December % August % April % December % August % April 2004 Many of our clients also provide testimonials to the service we provide at their greatest time of need the true test of an insurance company. I m in regular contact with Guild and in every case I always receive prompt, courteous and efficient help. The personal service I always receive is a refreshing change please don t change. I can only say that in all dealings with Guild I have been 100% happy. The assistance I received eased the stress I felt over the whole situation. Everything was attended to promptly and I would definitely recommend Guild. I have dealt with Guild Insurance for many years. I have claims for theft and liability claims and your service is terrific. I wouldn t go anywhere else whilst I m in business. Many thanks to you all. 7

10 There were some covers I needed and some I didn t, and Guild tailored my policy to suit.

11 Business Insurance - for ADA TAS and ADA NSW members Our Business Insurance for Dentists provides cover for a wide range of building, contents and other practice risks, so whether your practice is large or small we can tailor your cover to suit. Damage Cover: Premises & Contents Practice Interruption Patient Records Burglary of Contents Loss of Money Employee Dishonesty Equipment Breakdown Glass Practice Contents in Transit This section also provides cover for: Patients goods & personal effects. Goods on consignment & hire equipment. Contents temporarily removed from the practice. Fire extinguishment costs and removal of debris This section provides cover for loss of profit if the practice is interrupted as a result of an insured event. This section provides cover for the costs of reconstructing books of account and lost revenue from the inability to collect amounts owing to you following loss or damage to records. This section also provides cover for: Replacement of locks & restoration of security systems Temporary security protection Damage to practice premises Patients goods & personal effects. Goods on consignment & hire equipment. Our policy can provide you with cover for loss of money including your employees money on the premises. We can provide you with cover for loss of money, contents, goods or other property which belongs to you or is in your possession, as a result of dishonesty by an employee. This cover protects you against costly repairs or replacement of equipment if it breaks down. We can also provide you with cover for reconstructing electronic records and hiring substitute equipment. We will cover you for replacement of internal and external glass and signs. This cover provides protection for items of property when in transit to or from the practice premises within Australia. In association with 9

12 Whether you re completing your application or making a claim, you can be assured of receiving personal service from people who care

13 Frequently Asked Questions Why should I choose an Australian insurer? Guild is 100% Australian owned. That means that we are licenced and regulated by the ACCC and other Australian authorities who are looking out for Australia s consumers. Can I pay by the month? Yes. With our pay-by-the-month option you can pay your insurance premium over 12 months directly from your bank, credit union/building society or credit card account. To pay your insurance monthly, simply contact your local Guild regional office on Freecall for a pay-by-the-month application form, or visit our website Does Guild s policy include free legal advice? Guild clients have direct access to our in-house team of experienced legal experts - Guild Lawyers - for advice regarding potential legal liability incidents or claims, employment related civil liability issues and Regulatory Authority Approval issues. What do I do if I have a claim? You should contact the ADA branch in your state as soon as you become aware of an incident which may give rise a claim. They will be able to provide you with support and guidance and will inform you of the next steps to take. 11

14 Guild s customer service staff were really helpful, I felt like I was talking with someone I knew.

15 For more information or to take out cover, Freecall or visit This brochure contains information of a general nature only and is not intended to constitute the provision of advice. Before making any decision in relation to any of the products mentioned, you should consider your own circumstances and needs. Guild supports your association through the payment of referral fees for certain products or services you take out with them. Guild Insurance Limited AFS Licence No ADA (NSW) (312878), ADA (Vic) (312877), ADA (SA) (312879) and ADA (TAS) (315810) are authorised intermediaries for Guild Insurance Limited. 13

16 For more information or to take out cover, Freecall or visit guildgroup.com.au guildgroup.com.au (GLD1460) Insurance for Dentists 03/09

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