Medical Malpractice Quotes
We provide medical malpractice insurance quotes for all types of healthcare professionals including doctors, dentists, cosmetic surgeons, nurses and gynaecologists.
Our dedicated healthcare indemnity team also specialise in obtaining competitive terms for professionals that have been subject to disciplinary actions or with previous claims.
What is Medical Malpractice Insurance?
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. Typical 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.
Run Off Cover and Extended Reporting Periods
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.