Surgery Insurance
Surgery insurance for Dental, Vets, Doctors and any form of Medical Centre, Physiotherapy, Sports Injury or Cosmetic Clinics
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Compare Surgery Insurance quotes
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!
What does Surgery Insurance cover?
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.
What’s the difference between Public Liability and Professional Indemnity (Malpractice) cover?
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.
Aside from Surgery and Medical Indemnity, what other cover might a Healthcare Practice need?
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.
Why choose insync for Surgery 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 Beauty 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!