Surgery Insurance

How can we help your surgery?

Insurance is just one way our team can support you and your 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 health and 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.


Surgery insurance - what's covered?

A standard surgery 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-crime in the health and care industry is now more frequent and sophisticated than ever. We can arrange cyber liability insurance to help protect against the risk of an attack on your business.

Management liability

If someone claims a wrongful act: as a breach of duty or trust, a negligent act, or defamation against your company, your director may be held liable, presenting a risk to their livelihood. Management liability – also known as directors and officers insurance – will protect them.

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, all organisations that have staff are required by law to have Employers Liability Insurance.
When do I need to get employers liability cover for my healthcare practice?
You require employers' liability cover from the day your healthcare business 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 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.

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.