GP Surgery Insurance

How can we help your GP surgery?

GP surgery insurance and doctors surgery insurance is just one way our team can support you and your GP practice. It’s our job to manage your risks to protect your business, your staff, and the patients you care for.

  • Simplicity
    We understand the pressure you’re under every day and do everything we can to ensure your insurance options are presented simply, expertly, and impartially.
  • Experience
    Recognising every healthcare provider is unique; our care team offers a wealth of experience, takes a long-term view, and tailors your solution to your specific needs.
  • Protection
    We do our due diligence upfront, and a huge amount of work behind the scenes with our panel of insurers, to ensure the cover you have in place is just right for you.

Our health and care advisers

Our team has decades of experience in the health and care sector. We recognise every business is unique, and offer our advice and guidance to help you protect your complex world.

We offer a range of services to help you reduce risk and adapt to your ever-changing world, so you can provide amazing experiences to your patients.

GP surgery insurance - what's covered?

A standard GP surgery insurance or doctors surgery insurance package will allow you to select your sum insured for a number of core covers:

  • Property damage
  • Equipment breakdown.
  • Money.
  • Employee dishonesty.
  • Employers liability.
  • Public and products liability.
  • Legal expenses (up to £5 million turnover only).

We understand every business is unique, so we have a number of additional cover options that you can select based on your needs.

  • Business interruption
  • Terrorism.
  • Personal accident.
  • Dispensing errors

Insurance is just one way our team can support your practice. Talk to us about risk management, employee benefits and even commercial covers like cyber that are ever important in today’s healthcare sector.

Cyber liability

Cyber security in the health and care industry has been a growing concern over the past few years. We can advise on a solution for your business.

Management liability

An individual pursuing legal action could put a company director at risk of being held personally liable – putting their livelihood at risk.

Employment practice liability

This covers your company against defence costs and awards of claims arising, for example, from allegations of sexual harassment or wrongful dismissal by employees.

Corporate legal liability

This covers your company for defence costs and awards associated with a number of events including breach of data protection, health and safety, maladministration of a company pension or other regulatory claims.

Frequently asked questions

Does my healthcare practice need employers liability insurance?
Yes. Under the Employers' Liability (Compulsory Insurance) Act 1969, all organisations that have staff are required by law to have employers' liability insurance.

When do I need to get employers liability insurance for my healthcare practice?
You require employers liability cover from the day your healthcare practice starts employing staff. From the moment you have any person to whom you are responsible, whether paid or not, you are at risk of legal action. To qualify as "staff" a person does not have to be paid or under contract to you. It includes any person to whom you have a legal duty of care. This means that sometimes even sole traders will need employers liability insurance.
What is the minimum cover I need to have in place for my healthcare practice?
The level of cover you need will depend on many factors. We would need to assess your business and the risks it faces, then make recommendations. Other influences that can dictate how much cover you need include the types of people you care for, local authority requirements to meet your contract terms and any previous insurance claims you have made. In larger organisations, or where several employees are in one location, we'd recommend increased limits of cover are arranged.

As an employer, you're legally required to have employers' liability cover for compensation of at least £5 million, but most policies will offer cover for £10 million.
How much public liability insurance will I need?
The level of cover you need is related to the amount of risk faced by your business. Cover can be anywhere from £2 million to £10 million or beyond. The minimum value could be dictated by the clients you work with, or local authority contracts you have tendered for.