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Doctor’s Insurance including Medical Malpratice and Medical Indemnity
As specialist medical and dental defence insurance brokers, Insync offers tailored Dental Professional Indemnity Insurance throughout the UK.
Whether you are a General Dental Practitioner (GDP) or a specialist cosmetic dental practice, we can offer a tailored and cost effective solution which meets your legal obligations set out by the General Dental Council (GDC).
Our Doctor Professional Indemnity Insurance Policies
We can arrange doctors and other medical practice insurance to cover your equipment, theft, medical records and patients against accidents and incidents on your premises.
Most importantly we cover medical indemnity and malpractice especially for doctors, GPs and surgeons. Whether you’re self-employed or work in private practice we make sure each policy is bespoke designed by our specialist team. You can extend your cover to include as much additional cover needed for your business.
Medical Malpractice for Doctors, GP’s and Surgeons
In your line of work, you have responsibility for diagnostics, you require expert precision in treatments or surgeries and provide prescriptions to help those in pain or suffering.
For those rare times where a patient has a complication or a diagnostic is missed, medical malpractice can cover your work and your livelihood should a patient claim against you or your practice.
In most cases, treatments and illnesses always have a minor chance to incur side effects or complications and often this due to no fault of the medical practitioner.
For the rare occasions where this is the case, perhaps because of an undisclosed medical history or even an allergy a patient didn’t know they had, this cover will offer financial and legal protection to assist any compensation claims or court cases.
Does Doctors Insurance Cover Medical Equipment?
Other than Medical indemnity for doctors and surgeons, another important thing to consider when taking out doctors indemnity insurance is your equipment. Often worth thousands of pounds, you wouldn’t be able to practice and help your patients without it.
Whether it is breakdown, theft, or damage ask one of our specialist team for more information on how to insure your medical equipment under a specialist surgery or clinic insurance policy.
Can Doctors and Surgeons Insurance include Public Liability?
Whether you have a specialist Medical Practice, Dental Practice, General Practitioners Practice or even a Cosmetic surgery Clinic, you may need to consider the non-medical risks to patients while they’re under your care.
Public liability will provide cover for everyday accidents, injuries and damage. For example, a member of the public may harm themselves or damage one of their belongings while in your practice. This could be as accidental as tripping on a loose matt, twisting an ankle while climbing off a treatment bed, or a coffee spill across their phone.
Public liability cover for doctors and surgeons isn’t a legal requirement, however should any accidents happen, you can rest assured with this cover in the place.
Run-Off Cover and Extended Reporting Periods
Medical malpractice and indemnity cover is written on a “claims made” basis, this means is that you need to have cover in place, not only when the procedure or treatment is carried out, but also when a claim is reported. Whilst you maintain indemnity protection during your career this is not normally an issue, however, should you retire or cease to practice, it is important to arrange an extended reporting period, often known as “run-off” cover, against any future allegations which may arise.
Surgeons and doctors can often receive potential losses years into the future. Incidents are not deemed “statute-barred” for 3-years after the point of diagnosis, but this can still relate to previous treatment or a missed diagnosis – newly reported losses over 5 years’ post-retirement are not uncommon.
Your dedicated advisor will work with you to ensure your specific extended reporting period or run-off cover is adequate for your needs.
Why choose insync for Doctors insurance?
In today’s digital world, business has evolved, so why hasn’t your insurance broker?
We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Dental Professionals throughout the UK.
Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!