Professional Indemnity Insurance for Doctors, Surgeons and GPs
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Doctor’s Insurance including Medical Malpratice and Medical Indemnity
Our dedicated healthcare indemnity team specialise in medical indemnity and malpractice insurance quotes for all types of practitioners including doctors, surgeons, consultants and general practitioners (GPs).
Whether you’re self-employed, run your own surgery, clinic or practice, we can compare and build a unique policy tailored to your individual needs. We make it easy to compare doctor’s professional indemnity insurance from the UK’s leading insurers. Our Medical Professional insurance includes Medical Indemnity as standard and we can also include, public liability, employer’s liability, medico-legal expenses and many more to make sure you and, if applicable, your practice is adequately covered.
We compare medical indemnity cover from over 5 of the leading insurers in the UK all provided by A-Rated insurers fully underwritten at Lloyd’s of London and all policies are approved for GMC registration and revalidation.
Our dedicated healthcare indemnity team also specialise in obtaining insurance for professionals that have been subject to disciplinary actions or have suffered previous claims or negligence allegations. If you have been unable to find cover elsewhere, or have had your membership cancelled or refused by a defence union such as The Medical Defence Union (MDU) or Medical Protection Society (MPS), our team will make it their priority to find you cover to continue to practice.
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.
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