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Insurance from MIAB

Insurance from MIAB 

MIAB provides bespoke insurance and expert advice, caring for those that care the most. Founded in 2002, it has grown quickly and expanded the range of products offered and the sectors in which it operates. It is trusted to insure thousands of healthcare practices in the UK, and protect medical professionals from malpractice liabilities.

MIAB offers a wide range of commercial and personal insurance policies for dentists, dental practices and dental care professionals:

  • Practice Insurance protects your buildings, contents and more against medical, commercial, staff and equipment-related risks
  • Practice Expenses Insurance pays out when accident or sickness strikes key staff
  • Professional Indemnity Insurance covers you, your business and employees for medical, professional, practice and corporate liabilities.
  • Personal protection policies protect and reassure you and you family

MIAB are proud to be an approved insurance provider for DBG members by delivering the best possible products and advice in a personal, impartial and expert way.

We have saved money and improved cover for many happy customers and are looking forward to helping you.

Practice Insurance

MIAB have designed a Practice Insurance policy that adapts to your needs. Key features and benefits include*:

  • Plant insurance as standard, including autoclaves, compressors, dental chairs, x-ray machines and electronic equipment
  • Computers and Stock covered in addition to your contents
  • Full theft, which includes walk-in theft
  • Full personal accident cover for all employees
  • Employer and public liability insurance
  • Business Interruption cover for costs incurred and lost revenue
  • Jury service cover for all staff
  • Employee Dishonesty cover
  • Legal expenses and accountancy fees cover for costs and awards of legal disputes
  • Lamps, signs and nameplates
  • 24 hour, 365 days-a-year claims line
  • A low £100 excess on the majority of claims

*Subject to the full terms and conditions contained in the policy. Not all features available in all policies.

Practice Expenses Insurance

Practice Expenses Insurance is designed to cover the cost of hiring Locums and temporary staff, or extra hours worked by existing team members, to cover absent staff members. It may include a practice’s fixed overheads in the payout amount.

Key features and benefits include*:

  • Accident and injury cover
  • Anxiety/stress/depression cover
  • Maternity benefit of up to £5,000
  • Paternity/adoption cover (with no excess period)
  • Compassionate leave cover (with no excess period)
  • Winter sports cover
  • Jury service cover
  • Suspension & Revalidation cover
  • Recurring illness & Fit note cover
  • Benefit (receipts not always necessary) or Indemnified (receipts required) policy
  • Group discount for more than three members on the policy

*Subject to the full terms and conditions contained in the policy. Not all features available in all policies.

Professional Indemnity Insurance

MIAB has designed a Professional Indemnity / Medical Malpractice Insurance for DBG Dentists to protect against dental professional liabilities. It includes £10m limit of indemnity, unlimited use of a dento-legal helpline and nil excess.

A low-cost indemnity policy for Dental Care Professionals is available that satisfies GDC requirements and includes a 24/7 dento-legal helpline.

The Business itself can be protected by policies for:

Personal Protection 

Commercial policies take the pressure off work-related problems, but if health suffers, it’s wise to ensure you and your family are protected – medically and financially.

Income Protection pays up to 60% of your gross salary tax-free if you are unable to work through sickness or accident, whilst Critical Illness Cover provides a cash payment if diagnosed with one of the specified critical illnesses. Private Medical Insurance pays for private health care, and Life Insurance can pay-off mortgages and loans with a tax-free lump sum upon death.

Contact MIAB for an objective assessment of your needs and a recommendation of how to protect you and your family. They offer free reviews of existing plans where they will look to improve your cover and, potentially, your premium.

They also offer Home, Landlord and Travel Insurance, and can provide access to Commercial and Personal Mortgages, and Practice and Asset Finance.

Testimonials from DBG Members

"All the staff I have ever spoken to in my dealings with MIAB over the years have been well informed about their product, efficient and polite. I transferred my Business Insurance over to them as their prices were lower than my existing provider at the time. For a few years I would ring around when my renewal was due to compare quotes, but MIAB were always the most competitive so I don't both giving myself that headache anymore. I have no hesitation in recommending them."
Dr Catherine Kershaw, Burley House Dental Care - November 2017

"You have been helpful and informative, answering all our questions in detail and we are very happy to recommend you to anyone we know. The MIAB insurance policy is the best we could find for our dental practice so we had no hesitation in going ahead with it."
Dimitri Georgev, MDI Dental Clinic - November 2017

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MIAB Insurance Enquiry

For more details about MIAB and how it protects dental professionals, their businesses and their families, please call 01438 730210 or email, mentioning DD.

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