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About the service and policy

By taking out BDA Indemnity, you'll have access to dento-legal support from the BDA, plus professional liability insurance from RSA Insurance Ltd.

It's a unique service offering comprehensive, contractual and bespoke cover for members.

 Contractual certainty: a legally-binding right to cover


Cover for modern dentistry – the treatments that were once exceptional but are now day-to-day


Our service​

  • We won’t just give in to pressure to settle and make cases go away: we’ll do what’s right in each and every case
  • There’s no limit on how often you can speak to our Indemnity Team, and calling won’t penalise premiums
  • It’s a bespoke policy and service, designed with fairness at its heart, to protect members from the wide-ranging issues they may face
  • We have a flexible category structure so you only pay for what you do. That means dentists won’t be subsidising the risks of other dentists or medical colleagues, or peers in other countries.


Key facts about the policy

Our cover and promises


Indemnity brochure


Terms of business


Policy documents

RSA policy - summary


RSA policy - full wording


Our experts' blogs

The difference between occurrence-based and claims-made policies


What is vicarious liability?


Living with the threat of vicarious liability


Worrying new precedent on vicarious liability


The legal case against the practice owner


Are dental practice owners responsible for an associate’s negligence?


Why the risk of litigation need not cause you stress




Oral and maxillofacial surgeons who carry out procedures within the scope of the specialty of oral and maxillofacial surgery, and who are registered with the GMC, are not eligible to access the policy in this capacity. This is because they undertake procedures far removed from the practice of dentistry.


Accordingly, we believe  that oral and maxillofacial surgery should be indemnified by medical indemnifiers.


Please read the documents above for full details.