Medical Indemnity Insurance

About Medical Indemnity Insurance

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UK and international cover

Primary and Secondary Care, Private Clinics and Hospitals, Fertility, Aesthetics and Medicinal Cannabis.

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Indemnity Plus

Towergate’s Indemnity Plus policy offers cover for your professional duties whilst attending as a Good Samaritan and a claim being made against you regarding the medical services given.

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24-hour legal helpline

Offering specialist counsellors advice whenever you may need it.

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Medical and professional indemnity cover

Through our range of polices we will seek a solution for your current and evolving needs. 

Features of Medical Indemnity Insurance

Standard cover

Medical and professional indemnity cover

Whether you are a single practitioner or a whole group; through our range of polices we will seek a solution for your current and evolving needs. We can help you with your Insurance requirements.

Medical indemnity risk management solutions

We understand the importance of having the correct cover in place to combat the threat of a cyber-attack as soon as it is on your radar, which is why we provide a portfolio of cyber insurance policies. Cyber and data risks fall into first party and third-party liabilities.

Vicarious liability

This is when one party is held liable for the harm caused by the actions of another individual. The main example of vicarious liability arises from the relationship between an employer and employee, the rule being that the employer is vicariously liable for the errors and omissions committed by the employee. For example, an employee negligently operates a piece of machinery which subsequently injures a co-worker; the employer would have vicarious liability. Please be aware that employers can be liable for claims many years after the incident has happened and their business has been sold on.

Health and safety

We can approach our insurers with a view to providing retrospective cover, in order to ensure your past work is protected. Due to the statute of limitation, a patient has up to three years to make a claim, from the time they become aware of the error and then another three years from the point they intimate a claim. Therefore it is important you’re protected during this time regardless of if you are working or not.

Medical Indemnity Insurance FAQs

Question

What is medical indemnity insurance?

Answer

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.

Question

Do I need medical indemnity insurance?

Answer

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.

Question

What does medical indemnity insurance cover?

Answer

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.

Question

Why do I need medical indemnity insurance?

Answer

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).

Question

Do you offer dental indemnity insurance?

Answer

Yes, our indemnity cover is available for dentists.

 

 

Question

What is run off cover and why do I need it?

Answer

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.

Question

What is 'claims made'?

Answer

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.

 

 

Question

Can you cover me if I have had successful claims or disciplinary action brought against me in the past?

Answer

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.

 

 

Question

Do you provide medical indemnity insurance for radiographers?

Answer

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

 

 

 

Question

What are medical indemnity insurance exclusions?

Answer

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.