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Version Information

Version Number

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Name (optional)

Effective From *

Description / Change Notes

Base Constants

Minimum Malpractice Premium (£)

IPT Rate (decimal)

0.12 = 12% IPT

Activity Start Rates (% of turnover as decimal)

These are percentages expressed as decimals. For example, 0.006 = 0.6% of turnover.

Routine/General Dentistry

Cosmetic Dentistry

Implantology

Botox & Dermal Fillers

Dental Hygienist

Endodontics

Orthodontics

Periodontal

Exodontia (Local Anaes.)

Excess Multipliers (baseline £250 = 1.00)

£0

£250 (baseline)

£500

£1,000

Limit of Indemnity Multipliers

£1M (baseline)

£2M

£5M

£10M

Extended Reporting Period Multipliers

5 Years (baseline)

10 Years

GDC Cover Pricing Bands (flat, always included)

Turnover Threshold (£)

Premium (at or below threshold)

Premium (above threshold)

Practice Owner Contingent Cover (per staff, flat)

Dentist

Therapist

Botox/Fillers

Hygienist

Dental Nurse

Referral Thresholds

When activity percentages exceed these thresholds, the quote will be referred for underwriter review (unless it's their area of specialism).

Turnover Over (£)

Currently not used - for future use

Implantology Over (%)

Refer if over this % (unless specialism)

Orthodontics Over (%)

Refer if over this % (unless specialism)

Botox/Fillers Over (%)

Always refer if over this %

⚠️Referral Triggers (Always Refer to Hiscox)

If any of these are enabled and the applicant performs these procedures, the quote will be automatically referred for underwriter review.

Sinus Lift

Always refer to Hiscox

Zygomatic Implants

Always refer to Hiscox

Intra-Oral Bone Grafts

Always refer to Hiscox

Advanced Beauty Treatments

Always refer to Hiscox

Any Prior Claims or Losses

Always refer to Hiscox

🚫Decline Triggers (Automatic Decline)

If any of these are enabled and the applicant performs these procedures, the quote will be automatically declined. These are not covered under this policy.

Maxillofacial Surgery

Decline - not covered under this policy

General Anaesthetics

Decline - not covered under this policy

Extra-Oral Bone Grafts

Decline - not covered under this policy

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