Hi, i'm a member of the BADN. The indemnity is included in that membership and is underwritten with a company called Trafalger. If you get a quote it goes off the number of hours you work and if you have any additional duties such as Dental photography, taking xrays. With the BADN you are a member of a professional association,(always looks good on a CV too!) you get some CPD both verifiable and none (by the journal) have a look! I pay my fee twice a year, but at least i know it's sorted and the journal has some interesting articles! Hope this helps!