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medical malpractice insurance

We're here to help with malpractice insurance

  • Essential medmal insurance cover
    Medical malpractice insurance is incorporated into all our care insurance policies, including homes and domiciliary care.

  • Cover for your medical profession
    Whether you're a doctor, nurse, dentist or other healthcare professional, our malpractice insurance covers you against legal costs and claims for damages.

  • Suitable for your needs
    We know your organisation is unique, so we work with you to arrange suitable malpractice insurance cover for your individual needs.

How our medical malpractice insurance can help you

Also known as medical indemnity insurance, medical malpractice insurance covers you should you violate your professional duties. Suppose someone believes there has been a breach of duty of care or omission, or professional negligence. In that case, they can make a claim against you.

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


What types of incidents will medical malpractice insurance cover?

As a medical professional, you may face a range of incidents and claims made against you. Some of the common claims our medmal insurance policy will cover you for include:*

  • misdiagnosis
  • 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

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 are proud to work with doctors, dentists and healthcare practices across the UK, providing solutions for the evolving needs of the medical and dental professions.

Frequently asked questions

Q
How much does medical malpractice cost?
A

The cost of medical malpractice insurance will depend on the cover based on your individual needs and the risks you face.

We can help you find the right insurance to protect you and your business.

Q
How much public liability insurance will I need?
A
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.
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 1969, all organisations that have staff are required by law to have employers' liability insurance.

Q
When do I need to get employer liability cover for my healthcare business?
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 required is dependent on many factors and we would need to assess the requirements of the business and make recommendations based on the information provided. There are also other factors that can dictate the level of cover needed, such as the types of people you are caring for or local authority requirements to meet the terms of the contract.