After much deliberation your exco has decided to remove the product liability insurance from the annual subs payable to DENTASA. This decision was taken due to the fact that there was too much unhappiness amongst our members, and it placed a huge burden onto DENTASA itself.
It will be up to each individual to decide for him or herself what route to follow.
BROADFORM LIABILITY FOR DENTASA MEMBERS !!!!!
Why is Broadform Liability necessary for Dental Technologists and Technicians as well as Laboratories?
With the introduction of the Consumer Protection Act (CPA), it has become necessary to provide you with the widest cover possible. We wish to reiterate that any business that is involved (whether in the repair, supply, distribution, manufacture, production, import, export or retail) with any product should purchase adequate cover under the Products Liability extension and the Defective Workmanship extension (where applicable). This would include anyone whether they are involved with the manufacture of the products or not.
Option 1:
FDA has negotiated a Broadform Liability policy with Chartis Insurance South Africa Limited which includes the following cover:
General and Tenants Liability R2 000 000
Products Liability / Defective Workmanship R2 000 000
Employers Liability R2 000 000
Statutory Legal defence costs R250 000
Wrongful arrest / dismissal / defamation R250 000
Sums Insured can be increased to R5 million or R10 million, at an additional premium, if needed
Premium can only be paid annually. The premium amounts to R1200-00 once a year.
Option 2:
FDA has also arranged a Package policy underwritten through Santam or Mutual & Federal which will include Machinery, Stock and materials, Tools, Computer equipment as well as the Broadform Liability at a monthly premium of R210-00.
This policy can be adjusted to suit your individual needs, both Personal or Business. Special rates has been negotiated for DENTASA members.
The existing Broadform Liability cover that was arranged through DENTASA for the period 2011-2012 will lapse on 1 January 2012 and each member will have to arrange their own insurance.
Downlaod Application Document
PLEASE CONTACT FISHER DUGMORE & ASSOCIATES (PTY) LTD TO ARRANGE THIS COVER FOR YOU OR TO QUOTE ON YOUR EXISTING INSURANCE
012-809 3370
Tel : (012) 809 3370/1/2 * Fax: (012) 809 3375
PO Box 11659, Silverlakes, 0054 * Tijgervallei Office Park, Prosperitas Building Office 3, Silver Lakes, Pretoria, 0081
Product & Public Liability Insurance Programme
The new Consumer Protection Act was implemented 1 April 2011 and will influence the running of all laboratories. The Act gives consumers powerful new rights and imposes extensive obligations on suppliers of goods and services. It applies to almost all transactions, the promotion and marketing of any goods or services as well as the actual supply of those goods and services in South Africa. Even where a transaction may be exempted from the Act, the product liability provisions still apply.
The CPA will have a profound impact on the way businesses interact and conduct business with consumers (natural and juristic persons).
The repercussions should something go wrong:
- The CPA states that you could be fined R1, 000 000 or 10% of your turnover,
which ever is the greater amount, should you be found negligent.
- The laboratory is not the judicial entity; the technician is.
- You can be sued as an entity or in your personal capacity.
Taken from a letter from Council:
The Council noted the need to have some insurance cover against any claims of liability from consumers which may arise from the professional services rendered which will ultimately effect and/or impact on a consumer.
Tel: 012-460 1155 Fax: 012-460 9481 Mon-Fri 08:00-13:00 
The Dental Technology Association of South Africa