It’s the email no dentist wants to see: a patient complaint lodged with Ahpra alleging harm from treatment. You know you’ve done the right thing, so you contact your insurer, expecting support. But what if your policy quietly lapsed months ago? It’s more common than you might think. Missed instalments or overlooked renewals can leave dental practitioners exposed at exactly the wrong time.

Why it matters for dentists

Maintaining professional indemnity insurance (PII) isn’t optional, it’s a requirement under Ahpra registration standards. Practising without appropriate cover is a breach of the National Law and can lead to serious consequences, including:

  • No support for complaints or investigations
  • Personal responsibility for legal costs or compensation
  • Conditions, suspension, or refusal of registration renewal

With most policies operating on a claims-made basis, cover must be active at the time you become aware of a complaint – not just when the treatment occurred.

Simple ways to stay protected

  • Check your status regularly – don’t rely solely on email reminders
  • Set calendar alerts to flag renewal dates
  • Review third-party cover (e.g. through an employer) to ensure it’s appropriate for your scope of practice

A simple step worth taking

It only takes a moment to check your cover, but it could save significant stress down the track – especially if your professional indemnity cover isn’t up to date, as the impact can linger long after a complaint is made. Don’t wait until you’re under pressure to uncover the gaps. For protection you can rely on, call 1800 810 213 or visit guildne.ws/TDR

Insurance issued by Guild Insurance Ltd. ABN 55 004 538 863. AFSL 233791 and subject to terms, conditions, and exclusions. This information is of a general nature only and is not intended to be advice. It is important for you to read the Product Disclosure Statement (PDS), any Supplementary Product Disclosure Statement (SPDS), Target Market Determination (TMD) and/or Policy Wording before you make a decision about an insurance product. Guild Insurance supports your association’s ongoing projects, lobbying and research through payment of referral fees. You can get a copy of the PDS/SPDS, TMD and/or Policy Wording by calling 1800 810 213. DEN611250 TDR advertorial 05/2026