# Dental Defence Society: Business Description

Dental Defence Society (DDS) is a London-based indemnity provider created by dentists for dentists. Rather than operating as a traditional insurance company, DDS offers discretionary indemnity coverage that prioritises affordability, flexibility and personalisation for dental professionals.

The organisation serves dentists across the UK seeking professional indemnity protection without excessive costs or restrictive contractual limitations. Their membership structure appeals to practitioners concerned about post-pandemic financial pressures and seeking transparent, tailored coverage.

What distinguishes DDS is their dentist-led approach to underwriting. They calculate bespoke quotes based on individual treatment hours rather than imposing standardised packages, meaning practitioners only pay for cover relevant to their practice. By offering discretionary indemnity instead of contractual insurance, members avoid the 12% insurance premium tax, resulting in genuinely lower premiums. No-claims discounts are available annually for members who don't claim.

Their occurrence-based model eliminates the need for expensive run-off cover, providing long-term security and peace of mind. DDS provides unlimited 24/7 dento-legal advice from experienced specialists at no premium increase, regardless of call frequency. This extends beyond clinical matters to non-clinical dental and basic general enquiries.

Additional value includes professional response letter drafting for swift, expert replies to complaints, and an intuitive member portal for claim management. This combination of cost-effectiveness, genuine customisation, expert legal support and industry-specific understanding positions DDS as a modern alternative to conventional dental defence organisations.