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Medical Indemnity Insurance Experts

We're here to help with your care business insurance

Taking care of your insurance is just one way our team can support you. We're here to manage your risks to protect your business, your staff and the people you care for.

  • Commitment
    We understand the unique pressures, challenges and risks you face each day. Our team of experts are dedicated to simplifying your insurance, making it one less thing for you to worry about.
  • Experience
    Because we're experts with years of experience, we can arrange bespoke insurance that's tailored to protect you.
  • Support
    We're here to do the hard work, so you can focus on delivering excellent care. We'll search our panel of insurers and offer advice and support when you need it.

How our medical indemnity insurance experts can help you

Otherwise known as medical malpractice, medical indemnity insurance will provide cover if you breach your professional duties: alleged violation of duty of care or omissions, or professional negligence.

Our care insurance experts are here to ensure you and your organisation are protected should you find yourself facing a claim.


Why do you need medical indemnity insurance?

If a patient you’re treating suffers an injury on your premises, your public liability cover will protect you. On the other hand, if a claim is made against you that relates to a patient’s financial loss, in that case your professional indemnity will provide valuable protection against compensation and legal costs.

But, what if the claim relates to an allegation of neglect during treatment or therapy? This is where medical indemnity insurance will protect you against legal costs and claims for damages. As a doctor, nurse, dentist or other healthcare professional, when you’re running a busy surgery you have a duty of care to each patient, but if this slips you could face a claim of negligence.

Medical indemnity insurance is incorporated into all our care insurance policies, including care homes and domiciliary care.


What types of incidents will medical indemnity insurance cover?

As a medical professional, you risk facing claims made against you. Some of the common claims our medical indemnity insurance policy will cover you for include:

  • Misdiagnosis or omissions
  • Failure to diagnose
  • Surgical errors
  • Incorrect treatment
  • Prescription errors
  • Failure to provide a clean environment
  • Failing to adequately train doctors and other staff.

*This list is not exhaustive

Locum insurance

Protection and security for your business in the event of accidental injury or sickness.

Care home insurance

Running a care home is rewarding, but we know it can also be very challenging.

We work with insurers who adapt to meet the ever-changing needs of today's care homes. At the same time, our dedicated team has over 25 years of experience in the care sector – we're here for you when you need us.

Domiciliary care insurance

We've been supporting businesses in the care sector for over 25 years. Our team of health and care experts have a wealth of experience and expertise, so we can arrange the right protection for your domiciliary care business.

Surgery insurance

We work with doctors, dentists and healthcare practices across the UK. We understand the evolving needs of medical and dental professionals and provide the cover they need to protect themselves and their surgeries.

Frequently asked questions

Q
What is medical indemnity insurance?
A
Medical indemnity insurance relates to malpractice in medical professions. It can apply to accidents, mistakes and other incidents. Where negligence is proven, the insurance covers the cost of the compensation paid to the claimant.
Q
How much public liability insurance will I need?
A
The level of cover you need depends on the risks your practice faces. Cover can be anywhere from £2m to £10m or beyond. The patients you deal with, or local authority contracts you have tendered for may dictate the minimum value of cover you need.
Q
Do I need public liability insurance if I am a self-employed carer?
A
Yes. We would advise any business to have public liability insurance in place, whether you occupy a premises, work away, or visit people's homes as part of your work.
Q
Does my healthcare practice need employers liability insurance?
A
Yes. Under the Employers' Liability (Compulsory Insurance) Act, if your company employs staff, you are required by law to have employers liability insurance in place. This insurance will enable you to meet the cost of any compensation due should an employee suffer injuries or illness, whether they are caused on or off-site.
Q
When do I need to get employers' liability cover for my healthcare practice?
A
You will need to have employers liability cover in place from the day your care business employs staff. Whether paid or not, you are at risk of legal action from the moment you have any staff for who you are responsible. To qualify as 'staff', a person does not have to be paid or under contract to you; it can be any person you have a legal duty of care over. This means sometimes even sole traders will need employers liability insurance.
Q
What is the minimum cover I need to have in place for my healthcare practice?
A
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.