Medical Indemnity Insurance

Medical indemnity insurance is a regulatory requirement for some professionals and a recommended cover for many others.

It is designed to provide cover in cases of malpractice across a range of different medical professions, from doctors, nurses and dentists to chiropractors and osteopaths. This type of cover is designed to protect you during the claims process, including any costs and defence fees arising from the claim.

For some medical professionals it is a regulatory requirement to have some form of professional indemnity. This is to help provide protection in the case of an allegation being made against you for treatment or advice you may have given to a patient. For others, such as dental nurses and technicians, medical indemnity insurance is highly recommended and it is worth contacting your regulatory body for guidance on the level of protection you may need.

Medical indemnity insurance cover includes acts or omissions in the course of your professional duties. This can include injury, misdiagnosis, delays in referral, physical or mental harm to a patient. It doesn’t cover against incidents that occurred before the life of your policy.

This type of policy is designed to cover the legal fees arising from a claim, whether it is successful or not.

Our cover can also include advice, assistance and representation for proceedings including disciplinary hearings with professional bodies, NHS tribunals and fatal accident inquiries. This can help to give you support and greater peace of mind in a stressful situation.

For most professionals it is a regulatory requirement to have some form of professional indemnity, for example: GPs and dentists. For others, such as radiographers, dental nurses or technicians, it is something that is recommended to provide you with protection in the event of an allegation being made against you (please refer to your regulatory body for guidance).

Yes, our indemnity cover is available for dentists.

Once cover under your claims made policy has ended, no further claims can be made unless you have arranged run off cover. Run off cover continues to provide protection after you have ceased to practice in case any claims arise from treatment you previously provided.

Put simply, claims made means your policy will respond to claims submitted whilst the policy is active. Your cover is issued with a retroactive date, which means the policy will provide protection for any treatment provided after this date. In most instances the retroactive date will be the date cover is first taken out with us. However, if you transfer your insurance to us from another provider and have previously been covered by a claims made policy, we can look to provide a retroactive date back to when you first took out this type of cover.

We have a range of insurers we use to source our products who will look at each professional on a case by case basis. They are open to reviewing those that have previous claims or disciplinary action. Terms and premiums can vary but we specialise in cases such as this and will work hard, on your behalf, to get you the best deal we can.

Yes, we can cover radiographers in our medical indemnity insurance policies.

Our medical indemnity insurance policy does not provide cover against incidents that occurred before the life of your policy. It is therefore recommended that you ensure you are covered at all times as it is not possible to claim on historic incidents.

It is also worth keeping in mind that patients have up to three years to make a claim from the time they became aware of the error, and then another three years from the point they initiate a claim. We can therefore offer run-off cover designed to keep you protected even after you have finished practicing.