We've got you covered

The DHAA advocates for the profession and strives to provide education and services to our members. This includes providing membership benefits that serve to support you in your career. The DHAA Member Insurance program in partnership with BMS does just that.

BMS, the official insurance broker for DHAA members, is dedicated to providing comprehensive cover and valueadded services. The program offers a range of insurance policies, from professional indemnity insurance, public liability insurance, entity insurance, and more, to help ensure you’re covered for all aspects of your work.

If you interact with patients on a regular basis, having your own insurance policy is a good way to help protect yourself while working. Relying on your employer’s insurance policy could mean you don’t have cover for all aspects of your work. It is important that DHAA members have adequate professional indemnity insurance cover. Additionally, some members may want to add public and product liability insurance, entity insurance, and/or business insurance.

The insurance program offers a suite of policies to meet your needs as a dental hygienist. Each year policies under the program are reviewed against key areas of risk and claims data to ensure they continue to provide comprehensive cover.

Professional indemnity (PI) insurance provides cover against allegations or claims of financial loss due to injury or damages that have resulted from a negligent act, error, omission, malpractice or breach of duty that has arisen out of your professional duty. This means that if a client files a claim against you because they believe it was due to a failure of your professional services, PI insurance could step in.

Public liability insurance helps cover your legal liability in respect to property damage and non-treatment related injuries. This could include scenarios where a patient slips and falls while under your supervision.

Products liability insurance helps to cover you for actual or alleged bodily injury or property damage to a third party arising through use of a product sold, supplied, or manufactured by yourself.

With BMS, you can hold a combined Professional Indemnity and Public & Products Liability Policy. Alternatively, you can add Public & Products Liability to your existing Professional Indemnity insurance policy with BMS at any time.

If your business is named in a legal action, these costs aren’t covered by your standard professional indemnity insurance policy. This could leave you out of pocket. This is where Entity Insurance could step in. Entity insurance is Professional Indemnity and Public & Products Liability insurance for your business.

Looking for a different type of cover? As a specialist insurance broker, BMS can work with you to place policies that meet your needs. Speak to BMS to find the insurance solution that’s right for you.

You can add insurance to your DHAA membership at any time. For more information about the program, speak to BMS on 1800 940 762, or email DHAA@bmsgroup.com

In arranging this insurance for our members DHAA is acting as a distributor of BMS Risk Solutions Pty Ltd (BMS) AFSL 461594, ABN 45161187980. The insurance is issued by BMS under binder with Certain Underwriters at Lloyds. When acting under a binder BMS acts as agent for the insurer and not as your agent. This is general advice only and BMS have not considered whether it was suitable for your personal objectives, needs or financial situation. Please read the Policy Wording and Financial Services Guide before making any decision about purchasing this policy.