Surgery Insurance FAQs
Why do I need employers' liability insurance on my surgery
policy?
You are required to have employers' liability insurance if your
business has employees. The requirement applies irrespective of
whether your staff are full or part time. The insurance covers your
legal liability to employees if they are injured at work or become
ill as a result of the work they do for you. The policy will cover
your legal defence costs and will pay compensation to the employee
if you have been negligent.
What do you mean by minimum standard of security on my
policy?
To provide theft cover your insurance company will require a
minimum level of security on your premises, this will include for
example:
- Five lever mortise deadlocks complying with British Standard
3621 on all final exit doors
- Key operated window locks to be fitted on all ground floor and
accessible opening windows
Please refer to your policy wording for full details as the
requirements can vary according to the type of door and windows you
have. This will not apply to any door or window officially
designated a fire exit by the Fire Authority.
I have given the wrong professional advice. Can my client claim
under my public liability policy?
No, your policy does not provide cover for professional
negligence. A professional indemnity insurance policy would be
required.
