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Medical Professional indemnity and Malpractice Insurance

Medical Malpractice Insurance tailored to your specialty. GMC, GDC, NMC approved. Professional Indemnity from £1m to £20m+ and expert advice

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Medical Indemnity Insurance

Medical indemnity insurance is one of our flagship products and can be built completely bespoke to your speciality. We have an expert team who can advise, compare, and build a comprehensive policy just for you at the best price. Medical Indemnity insurance comes as standard with any of our medical practitioner or clinic packages, policies can be extended to include as much or as little additional elements of cover as needed.

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.

Nurse holding head

What is Medical Indemnity Insurance?

Medical indemnity insurance, or medical malpractice as it is sometimes referred, provides cover against claims for breach of your professional duties as a medical professional.

Typically, these are acts of professional negligence, breach of duty of care or omissions. Reported claims can include injury, physical or mental harm, or misdiagnosis to a patient. Often, potential incidents are simply accusations which can be defended rigorously to protect your reputation and good standing.

Medical Malpractice Insurance packages can be tailored for most medical professionals and medical clinicians as this type of insurance are essential for protecting your career or medical practice.

Our malpractice insurance can cover medical professionals working full time in private practice, or on a part-time basis whilst still working in the NHS. All our malpractice and medical indemnity schemes meet legal and contractual requirements under the General Medical Council (GMC), General Dental Council (GDC) or NMC (Nursing and Midwifery Council).

Whatever your specialism might be, it’s important to remember that your career is about making decisions about other people’s health, so by nature, your line of work makes you more vulnerable to claims of malpractice, particularly in today’s litigious society. That’s why we have created our award-winning insurance, provided by expert medical malpractice brokers who can ensure you have the correct cover in place for your individual needs helping you risk manage and mitigate any risks to your career or livelihood.

We can arrange comprehensive insurance packages with these core comments:

• Tailored medical malpractice insurance for any specialism or medical professional and medical organisations
• All policies meet GMC, GDC, NMC & hcpc indemnity requirements
• Specialist cover for Practitioners will GMC investigation and/or previous indemnity claims
• Expert risk management advice
• Run-off / Extended Reporting Period Cover
• Medico-legal support

If you do run your own practice or clinic, we can also extend your business cover to include non-medical business risks all under one policy. Our additional business cover can include employers’ liability, product liability, cyber liability and public liability insurance, directors and officers or locum insurance.

Our dedicated healthcare indemnity team also specialise in obtaining insurance for professionals that have been subject to disciplinary actions or with previous claims.

Medical Malpractice for Individual Practitioners

As a self-employed medical practitioner or a contract based medical practitioner, we understand the additional stresses or responsibilities you may be facing. That is why we have designed this specialist medical malpractice insurance package to cover any risks such as solo diagnosis or unforeseen medical complications in patients that could cause responsibly to return to only you. With our negligence cover in place, you can rest assured should the worst happen and you were to face allegations against you or a formal claim. Our team of medical and legal experts are on hand to support and help you through the process.  Our priority is to get you back working to provide dedicated health care while giving you the reassurance that your policy meets the limit of cover requirements in your independent profession.

This award-winning insurance is underpinned by some of the top medical malpractice specialists, making our cover non-discretionary should you, unfortunately, have a claim against you. What’s more, as our cover is created by medical specialists it is specifically designed with your professions in mind, making sure that risks unique to your industry are included and you’ll be protected. Our tailored medical malpractice cover can include

  • Clinical negligence claims
  • Inquests
  • Contract disputes
  • Crisis communications
  • GMC and disciplinary investigations

We can provide malpractice insurance on an individual basis for any of the following practices. If your profession isn’t listed or perhaps it’s not clear which title your line of work is under, please don’t hesitate to give us a call for advice, we will be able to build a unique package bespoke to your treatment risks and vulnerabilities.

  • Anaesthetics 
  • Maxillofacial
  • Pharmacology
  • Cardiology
  • Neurology
  • Physiology
  • Dentistry
  • Nuclear Medicine
  • Plastic Surgery
  • Dermatology
  • Nutrition
  • Psychiatry
  • Endocrinology
  • Oncology
  • Radiography/Radiotherapy
  • Gastroenterology
  • Ophthalmology
  • Radiology
  • General Surgery
  • Orthodontics
  • Rehabilitation
  • Genetics
  • Orthopaedic Surgery
  • Rheumatology
  • Gynaecology
  • Otorhinolaryngology
  • Surgery
  • Haematology
  • Paediatrics
  • Urology
  • Immunology
  • Palliative Care
  • Vascular
  • Industrial Health
  • Pathology

Medical Malpractice Insurance packages can be tailored for most medical professionals and medical clinicians as this type of insurance are essential for protecting your career or medical practice.

Our malpractice insurance can cover medical professionals working full time in private practice, or on a part-time basis whilst still working in the NHS. All our malpractice and medical indemnity schemes meet legal and contractual requirements under the General Medical Council (GMC), General Dental Council (GDC) or NMC (Nursing and Midwifery Council).

Whatever your specialism might be, it’s important to remember that your career is about making decisions about other people’s health, so by nature, your line of work makes you more vulnerable to claims of malpractice, particularly in today’s litigious society. That’s why we have created our award-winning insurance, provided by expert medical malpractice brokers who can ensure you have the correct cover in place for your individual needs helping you risk manage and mitigate any risks to your career or livelihood.

We can arrange comprehensive insurance packages with these core comments:

• Tailored medical malpractice insurance for any specialism or medical professional and medical organisations
• All policies meet GMC, GDC, NMC & hcpc indemnity requirements
• Specialist cover for Practitioners will GMC investigation and/or previous indemnity claims
• Expert risk management advice
• Run-off / Extended Reporting Period Cover
• Medico-legal support

If you do run your own practice or clinic, we can also extend your business cover to include non-medical business risks all under one policy. Our additional business cover can include employers’ liability, product liability, cyber liability and public liability insurance, directors and officers or locum insurance.

Our dedicated healthcare indemnity team also specialise in obtaining insurance for professionals that have been subject to disciplinary actions or with previous claims.

Medical Malpractice for Medical businesses and Practices

Physicians or medical professionals opening or running their own practices should be aware that medical malpractice insurance is run on an individual basis. Therefore, you’ll be responsible for your own medical malpractice policy to cover any treatments or diagnosis you perform on patients at your clinic. As your business grows, or you may already have other doctors or practitioners employed or contracted to work out of your premises, in this instance, you will need to ensure all practising medical professions under your watch are fully insured with their medical malpractice cover.

Medical practices not only need medical specific insurances but as with any business, your medical practice could fall risk to many standard and unavoidable incidents or accidents that would result in a substantial claim. For example, you may be electronically holding sensitive information on clients’ health which could be held safe under our cyber policy, alternatively, employers’ liability is essential if you have one or more employees. For safeguarding any business it’s important to remember that your livelihood can be looked after and protected with the right insurances and cover in place. Our commercial and medical experts have years of experience in mitigating risks associated with medical businesses and can advise the best route on which insurances are right for you and will ensure your business is fully covered. Some cover may come at no surprise, however, with the help from Insync we can build a comprehensive policy for any eventuality. We can extend your business cover to include:

• Employers liability
• Equipment and stock cover
• Product liability
• Cyber insurance
• Directors and officer’s insurance
Just speak to an advisor today and we can build you a tailored policy.

Why choose insync for Medical Indemnity 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 Medical 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!

Medical Indemnity and Malpractice Insurance

  • Self-employed surgeons, doctors or full heath care organisations
  • Specialist policies for practitioners who have been declined cover by their Medical Defence Union (MDU, MPS), previous claims or disciplinary actions
  • Medico Legal Indemnity cover available
  • All policies approved for GMC registration and revalidation
  • Choice of A-Rated insurers fully underwritten at Lloyd’s of London
  • Medical Indemnity from £1m to £10m+
  • Good Samaritan acts covered as standard
  • Policies include Breach of Professional Confidentiality
  • Libel & Slander and Inquest Hearing Costs cover
  • GMC investigation or Regulatory Body Hearings cover
  • Cover for evaluation of other healthcare professionals’ performance
  • Indemnity to Principle extension available

Insync for Medical Indemnity and malpractice Insurance

  • Specialist Medical Indemnity policies for practitioners who have been declined cover by their Medical Defence Union (MDU, MPS) due to previous claims or disciplinary actions
  • Business insurance including buildings, contents & equipment and business interruption cover
  • Public Liability Insurance
  • Medico-Legal Support cover available
  • Legal fees & compensation for claims
  • All policies approved for GMC registration and revalidation
  • Choice of A-Rated insurers fully underwritten at Lloyd’s of London
  • Medical Indemnity from £1m to £10m+
  • Vicarious Liability
  • Good Samaritan acts covered as standard
  • Policies include Breach of Professional Confidentiality
  • Libel & Slander and Inquest Hearing Costs cover
  • Management Liability
  • GMC investigation or Regulatory Body Hearings cover
  • Cover for evaluation of other healthcare professionals’ performance
  • Indemnity to Principle extension available

Medical Indemnity and Malpractice Insurance

  • Self-employed surgeons, doctors or full heath care organisations
  • Specialist policies for practitioners who have been declined cover by their Medical Defence Union (MDU, MPS), previous claims or disciplinary actions
  • Medico Legal Indemnity cover available
  • All policies approved for GMC registration and revalidation
  • Choice of A-Rated insurers fully underwritten at Lloyd’s of London
  • Medical Indemnity from £1m to £10m+
  • Good Samaritan acts covered as standard
  • Policies include Breach of Professional Confidentiality
  • Libel & Slander and Inquest Hearing Costs cover
  • GMC investigation or Regulatory Body Hearings cover
  • Cover for evaluation of other healthcare professionals’ performance
  • Indemnity to Principle extension available

Insync for Medical Indemnity and malpractice Insurance

  • Specialist Medical Indemnity policies for practitioners who have been declined cover by their Medical Defence Union (MDU, MPS) due to previous claims or disciplinary actions
  • Business insurance including buildings, contents & equipment and business interruption cover
  • Public Liability Insurance
  • Medico-Legal Support cover available
  • Legal fees & compensation for claims
  • All policies approved for GMC registration and revalidation
  • Choice of A-Rated insurers fully underwritten at Lloyd’s of London
  • Medical Indemnity from £1m to £10m+
  • Vicarious Liability
  • Good Samaritan acts covered as standard
  • Policies include Breach of Professional Confidentiality
  • Libel & Slander and Inquest Hearing Costs cover
  • Management Liability
  • GMC investigation or Regulatory Body Hearings cover
  • Cover for evaluation of other healthcare professionals’ performance
  • Indemnity to Principle extension available

Brilliant Agent

The agent made it very easy and efficient setting up my comprehensive insurance.

She was pleasant, polite and reassuring for a new customer like myself.

I would want her representing my company for sure.
ian Smith
Valued Customer

Look No Further, Contact Insync.

Friendly, professional and reliable. Quick response and very knowledgeable.

Great customer service all round, with services and insurance covers that will give you peace of mind.

I highly recommend them.
Darren Dibble
Valued Customer

Outstanding!

Amazing service. They kept in contact and made sure I completed everything.

Very lovely man, nice and chatty made me feel comfortable would recommend.
Demi Lambkin
Valued Customer

Exclusive FREE Benefits for all customers

At Insync, we are dedicated to delivering to our customers not only superb prices but a satisfying customer experience.

As a thank you for joining us, our customers can enjoy access to our exclusive benefits platform, Insync Benefits.

This is entirely free to our customers. Our Insync Benefits platform provides you with discounts and offers from some of the biggest high street brands.

Frequently
Asked Medical Malpractice Insurance
Questions

We have prepared a list of the questions we are regularly asked by Customers before and after buying a policy.

If you need further help we are always available.

Mistakes are sometimes made, no matter how good we are at our jobs. As a medical professional, you have a heightened duty of care to your patients and Medical Indemnity or Malpractice Insurance provides financial security in the event you are negligent in a professional capacity.

Not only does Medical or Professional Indemnity cover your business losses, but it also protects your patients. With appropriate insurance, you can ensure that your patients get adequate compensation if they suffer any physical or mental harm as a result of a treatment you have provided.

In some cases, your professional body will provide indemnity on a discretionary basis. A comprehensive insurance policy with Insync will give you peace on mind that you will be covered in the event of a claim.

Occurrence Based

Occurrence based indemnity provides cover for incidents which occur during the policy or membership period, regardless of when the claim for that negligence is made. All NHS indemnity schemes prove occurrence-based cover.

Claims-Based

Claims based indemnity only provides cover for incidents which occur during the policy or membership period, provided that the claim is made and reported prior to the end of this period.
Once the policy or membership has lapsed, no cover will be offered in respect of new claims not reported during the policy or membership period.

Run-off cover in the form of an extended reporting period, can be arranged to ensure you remain protected against any further claims that were accrued but not reported during their policy or membership period.

Contractual and Discretionary Indemnity

Contractual indemnity is a contractual obligation to compensate for some defined loss or damage, by making a money payment.

Discretionary indemnity is where legal and financial assistance is provided at the discretion of the provider, for example, not backed by an insurance contract between the healthcare professional and the provider. Medical Defence Unions all work on a discretional indemnity basis and there is no guarantee any claim will be honoured.

Medical indemnity insurance provides cover against claims for breach of your responsibilities and duties as a medical or healthcare professional.

Typically, these are acts of professional negligence, breach of duty of care or omissions. Reported claims can include injury, physical or mental harm, or misdiagnosis to a patient. Often, potential incidents are simply accusations which can be defended rigorously to protect your reputation and good standing.

In the UK, it is a legal requirement for many practising medical professionals to hold valid and sufficient medical indemnity insurance. This includes general practitioners, surgeons, nurses, dentists midwives, osteopaths, radiographers, sonographers, pharmacists, opticians, and more paramedics. In most cases, it is a regulatory requirement for governing bodies such as the GMC and GDC who are.

If you are working in private healthcare, you are responsible for your medical indemnity insurance. Often, if you are employed, you will be insured under your employer’s medical indemnity or malpractice insurance. However, this is not to be assumed, and it is your responsibility to check.

Any independent practitioners must ensure they have adequate insurance; this applies to any work carried out outside of employment, including Good Samaritan acts.

As a commercial insurance provider, at Insync, we can arrange cover for all aspects of your clinical practice and your business as a whole. Our business insurance experts can support you with non-clinical liabilities such as:

  • Public Liability Insurance
  • Contents at Business Equipment at your Clinic or Surgery
  • Business Interruption Insurance
  • Fixtures & Fittings Insurance
  • Employers Liability Insurance
  • Products Liability
  • And more

As a medical practitioner, you could find yourself with a negligence claim for many reasons. Typical medical malpractice claims include:

  • Misdiagnosis
  • Delays in referral
  • Physical or mental harm

Medical Indemnity and Professional Indemnity both provide cover for professional negligence in the course of your role as a medical practitioner. The key difference is that medical indemnity extends to cover claims relating to injury and/or illness to the patient (or another third party) as the result of treatment and/or advice you have provided.

Professional Indemnity only provides cover for claims against you for financial loss relating to your professional negligence, as such, medical indemnity insurance is critical for all clinicians and medical professionals.

As a medical practitioner, the appropriate level of indemnity will depend on a few factors. We will calculate your insurance premium based on the type of professional advice and treatments you are providing regularly, the frequency of your private practice, your annual income, to name a few.

Contact our specialist malpractice team today for expert advice on both medical indemnity and business insurance.

You wouldn’t be the first to think that public liability should cover any accidents, injuries or damage to the general public or third party, however, this may be the case for some professions, this is not the case in the medical industry where accidents or injury are a direct result of your professional care and/or treatments.

The main difference is public liability will cover third party incidents closer related to general health and safety breaches, for example, a trip on a rug in the reception. Public liability insurance does not stretch to an injury as a result of your treatments, therapies or client advice. This is why malpractice insurance is essential to cover your career and livelihood for this type of career. Any claims as a result of an injury are upsetting and stressful, what’s more, they also cost you valuable time, money and in the worst cases could cost your reputation.

Unless already provider by your employer, we would recommend you to have both public liability and medical malpractice insurance in place, especially as your line of work involves many clients or patients on a day-to-day basis. This means you’re covered for professional mishaps as well as non-medical unrelated trips and accidents. We can build you a complete policy with both these covers and all the essentials you need unique to your specialism.

Malpractice insurance claims can be a result of any medical treatment or diagnosis but more often come as a result of a physical treatment performed on the client. However, this is not always the case as there are many other injuries patients could suffer as a result of wrongly prescribed medicines, allergic reactions or suffer other long-term consequences. These types of claims are also covered with malpractice insurance and you can be sure that you’ll be protected for negligent diagnosis, advice given to clients and physical treatments.

Medical indemnity cover is written on a “claims made” basis, what this effectively means is that you need cover in place when a claim is reported as well as when the medical procedure was carried out.

Whilst you maintain insurance throughout your career this is not an issue, but should you cease to practice or retire you will need to arrange run-off cover or an extended reporting period.

Whilst some insurers will only provide a three year reporting period aligned to the statute of limitations, we will work with you to build a more comprehensive solution depending on your role.

Doctors have been known to receive claims up to 10 years or more post-retirement and such incidents may not be statute-barred as the three-year period will begin from the point of diagnosis.

Traditionally, obtaining a quotation for medical malpractice cover could be a slow and painful process. The good news is that we have developed a simple process that will enable us to compare indemnity cover from up to 5 of the UK’s leading malpractice insurers.

One of our dedicated medical professions advisors will take complete ownership of your case and work with you so that we can build a clear understanding of your expertise and procedures undertaken to our insurer partners – generally, this can all be completed electronically.

We will also require a “letter of good standing” from your current provider/union which serves as a record of your claims history. We will then engage face-to-face discussions on your behalf to obtain the best possible terms, before reverting to you with our recommendations.