Medical Malpractice Insurance
01200 309 516
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.
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
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.
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.
Individual Clinical Healthcare Practitioners or full Healthcare Practices
All policies approved for GMC, GDC, NMC and/or Health & Care Professional Council (HCPC) registration or revalidation
Policies are fully underwritten by A-Rated insurers at Lloyd's of London
Medical Malpractice Professional Indemnity from £1m to £20m+
Coroner's inquest or inquiry defence costs
Regulatory, disciplinary or criminal proceedings costs
Dedicated Medical Malpractice Team
Instant quotations - cover and policy documents in minutes
Flexible cover & monthly payments – just pay for the sections you need
Expert advice from Medical Malpractice Insurance specialists
Expert Medical Legal and Claims Support
Personal – Digital servicing AND your own dedicated insurance professional
Medical malpractice, also known as medical indemnity insurance, provides cover against claims for professional negligence, acts or omissions in the course of your professional healthcare duties.
Typically reported claims can include misdiagnosis, injury, or mental or physical harm to a patient. In many cases, these are accusations which can be defended by the insurer thus protecting our client's reputation.
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.
A patient surprisingly fell pregnant six months after a sterilisation procedure. It was later discovered that the clips applied to the Fallopian tube had not been correctly applied and the gynaecologist was subject to a negligence claim in excess of £35k.
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.
Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX
t. 01200 309516
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