Dental Hygiene

No additional premium.

The following Endorsement(s) apply:

Dental Hygiene

It is hereby noted and agreed that with effect from and subject to the Retroactive date confirmed on the proposal form and solely in respect of Dental Hygiene activities when carried out as part of the Insured’s profession and provided that these were disclosed to and accepted by Insurers, then the following provisions under this insurance are amended to read as follows:

MEDICAL PROFESSIONAL LIABILITY INSURANCE

THIS IS A CLAIMS MADE/AGGREGATE INSURANCE ON A COSTS INCLUSIVE BASIS

WHEREAS the Insured, as defined herein, has made to Insurers a written proposal bearing the date stated in the Certificate of Insurance (the Certificate), containing particulars and statements which are hereby agreed to be the basis of this insurance and to be considered as incorporated herein, and the premium being received by Insurers as identified in the Certificate.

WE THE INSURERS, to the extent and in the manner hereinafter provided, HEREBY AGREE to indemnify the Insured against all sums which the Insured shall become legally liable to pay as damages arising out of:

Insuring Clauses

a) Malpractice & Professional Liability

Any claim first made against the Insured and notified during the Period of Insurance for any negligent act, negligent error or negligent omission committed by the Insured or by any employee of the Insured or by any person or organisation acting on behalf of the Insured when so acting, in the course of services or contractual obligations undertaken by the Insured to a patient/client or patients/clients in or about the conduct of the Insured’s profession or as stated in the proposal form, or Good Samaritan Acts.

b) Public Liability

Any claim first made against the Insured and notified during the Period of Insurance for any accidental Bodily Injury to any person, or loss of or damage to tangible property of any person in connection with the Insured’s profession as stated in the proposal form including the provision of food and drink.

c) Products Liability

Any claim first made against the Insured and notified during the Period of Insurance for any accidental Bodily Injury or loss of or damage to tangible property arising out of any goods or products designed, manufactured, constructed, altered, repaired, serviced, treated, sold, supplied or distributed by the Insured in connection with the Insured’s profession.

Insurers will also pay all defence costs and expenses (including claims handling) incurred with their consent, such consent not being unreasonably withheld in connection with any claim which falls within this Policy. Provided that Insurers’ total aggregate liability under this insurance for all damages including costs and expenses shall not exceed the Limit of Indemnity stated in the Certificate in any one Period of Insurance.

Insurers shall not be obligated to pay any further contribution to any claim which falls within this Policy after the Limit of Indemnity has been exhausted by previous payments, and that in such a case, Insurers shall have the right to withdraw from the further defence thereof by tendering control of said defence to the Insured.

PROVIDED ALWAYS THAT

a) The Insured has acted in accordance with Condition 2.

b) For the purpose of determining the Limit of Indemnity and excess applicable, any claim which is based upon combined allegations of Malpractice, Professional Liability, Public Liability or Products Liability, or separate allegations arising out of the same circumstances, shall be dealt with as though it were one claim and limited to the amount of indemnity granted for Insuring Clause A, Malpractice and Professional Liability as defined in the Certificate.

LIMIT OF INDEMNITY AND EXCESS

Insurers shall only be liable under this Policy to the extent that such liability exceeds the excess. A separate excess shall apply to each and every claim and each and every claimant. Insurer’s total liability to pay damages and/or claimants’ costs, fees and expenses shall not exceed the sum stated in the Certificate against each Insuring Clause in respect of any one Occurrence or series of Occurrences arising from one originating cause but under Insuring Clause C the limit applies to the total amount of damages and/or claimants’ costs, fees and expenses payable in respect of all claims first made and notified during the Period of Insurance. Insurer’s maximum overall liability in respect of Insuring Clauses A, B and C shall not exceed the sum stated in the Certificate.

RETROACTIVE DATE

is the date from which Insurers will cover the activities listed above when carried out as part of the Insured’s profession in respect of any act, error, omission or event first occurring wholly or in part provided that such activities were disclosed to and accepted by Insurers.

Furthermore, Item 2. CONDITIONS is amended to read -

2. During the period of this Insurance the Insured shall give immediate notice in writing of:

a) any claim first made pursuant to Insuring Clauses a), b) and c), or

b) any conduct or circumstance which is likely to give rise to a claim for Malpractice, Professional Liability, Public Liability or Products Liability being made against the Insured;

in accordance with ‘Notice of claim’ shown in the Certificate.

The excess in item 4 is amended to (A) Malpractice/Professional Liability 1,000 (B) Public Liability Nil (C) Products Liability Nil

All other terms, conditions, exclusions and limitations in this policy remain unaltered.