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When it comes to protecting your surgery it pays to talk to someone that speaks your language and understands your risks and requirements. Our expert Healthcare Team providers cover for practices throughout the UK.
Your dedicated advisor will help you identify your specific requirements and compare surgery insurance quotes from up to 10 of the UK’s leading insurers – simple, quick and cost effective!
Surgery insurance provides a suite of cover that will protect all the key risks of veterinary, doctors or dental practices. This includes the building itself (if owned by the practice), fixtures and fittings, contents and medical equipment, stock (including cover for drugs and vaccines), computers, laptops and other items of IT.
In addition to physical property, cover extends to legal liabilities for staff in the form of employers liability insurance as well as public liability for indemnity against claims from clients or members of the public for injury or damage to property – for example, a client slipped on a mopped floor and damaged their knee ligaments. Other extensions to cover include business interruption (loss of profits following a claim), money, damage to signs or glass, fidelity guarantee (theft by employees) and legal expenses.
During a cold snap a delivery driver slipped on ice / snow on the front step of surgery, tripping and damaging his thumb.
His legal representatives sought compensation from the practice for injury and loss of earnings on the basis that the entrance should have been made safe for visitors. Insurers paid £7k under the public liability section of the surgery policy.
Cover for all types of surgery – Dental, Vets, Doctors / GP’s and any form of Medical Centre, Physiotherapy, Sports Injury or Cosmetic Clinics.
Single or multiple site practice cover
Sole Trader, Partnerships, LLP and Limited Companies
Non-standard construction surgeries (flat roof, listed buildings or timber frame construction)
Non-standard construction offices (flat roof or timber construction)
Surgery contents, computer and medical equipment, stock and drugs, fixtures & fittings, signs and glass
Medical Bag, Laptop, tablet, mobile phone or medical equipment away from the surgery
Employee dishonesty protection
Business Interruption (loss of fee income)
Legal liabilities up to £10m Indemnity (Public Liability & Employers Liability)
Legal Expenses, Business Travel & Personal Accident options
We compare prices and surgery cover from our panel of leading insurers
Instant quotations - cover and policy documents in minutes
Flexible cover & monthly payments – just pay for the sections you need
Expert advice from dedicated healthcare and medical Insurance advisor
24 Hour Claims Helpline
Personal – Digital servicing AND your own dedicated insurance professional
This is one of the most common questions we are asked when talking to healthcare professionals. The simplest way to understand it is to think of public liability cover non-medically related accidents which happen in the business – such as client slips, trips or falls.
Medical professional indemnity (or malpractice as it is also referred), provides defence and compensation cover for medical negligence (including allegations) in terms of breach of professional duty of care owed to patients.
Standard surgery cover for vets, doctors or dentists provides public liability as standard and this will also extend to home visits. Veterinary or medical malpractice cover is arranged separately, either individually for each practitioner, or at practice level.
Other products typically considered by vets and medical practices include locum insurance, which provides a sum of money to pay for a locum in the event of injury or illness to one of your practitioners.
A new emerging exposure which perhaps presents the biggest threat of all is cyber and data risks insurance. Medical and personal data is very valuable and is highly targeted – should this fall into the wrong hands the practice may be subject to ransom demands or compensation claims from patients.
Cyber insurance offers protection post loss, but also has the ability to manage public relations and patient engagement to mitigate the impact to the practice. Cover includes computer records and physical data loss such as files or x-rays.