Medical Indemnity Insurance

Medical Indemnity Insurance

Medical indemnity insurance for doctors, nurses, dentists and other healthcare professionals.

0330 123 5810

Monday - Friday 8.30am - 5.30pm

Email us for a call back

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.

Medical indemnity underinsurance

With the increases in property prices in recent years, the buildings owned by businesses are likely to be one of their most valuable assets. If a business fails to adequately insure its property, it could threaten the survival of the business and the loss of people’s livelihoods. We work with CPA Valuation Services to offer a free desktop indication which will give a status of whether your building is under/over or adequately insured.

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.

These are the FAQs

Question

What does medical indemnity cover you for?

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.

 

Question

Do you offer dental indemnity insurance?

Answer

Yes, our indemnity cover is available for dentists.

 

 

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

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

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.