Vicarious Liability Insurance

Vicarious liability insurance is protection for employers against the negligence or wrong actions of their employees.

  • Cover for single practitioners or a whole group
  • Vicarious liability cover tailored to your needs
  • UK-based support

Get a quote online or on the phone at 0330 123 5810.

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Why choose vicarious liability insurance with Towergate?

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Protection for business owners

We can provide cover for business owners held liable for the harm caused by the actions of another individual, often an employee. 

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Vicarious liability policies tailored for your needs

Policies are created once we’ve reviewed your business requirements, so they meet your needs.

Liability

Vicarious liability cover available in the UK and internationally

Business owners of individual practices through to large companies are eligible, with various locations - including NHS lists, hospitals, aesthetics and surgical clinics - and areas such as medicinal cannabis and orthodontics covered.

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Market leading vicarious liability insurance broker

We are a market leader with strong networks to ensure you obtain the best cover to meet your needs.

About vicarious liability insurance

Liability

Standard vicarious liability insurance

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 instance, an associate dentist who has now left the practice, previously carried out some dental work incorrectly and now the business employer is being sued for damages by the claimant as the employer would have vicarious liability.

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Vicarious liability for businesses versus individual medical and professional indemnity cover

Medical and professional indemnity cover ordinarily covers individuals for negligence, acts or omissions in the course of professional duties on their own, whereas vicarious liability protects business owners against claims for negligence, acts or omissions of their employees, agency workers and partners during their course of professional duties.

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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.

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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.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on the number in your policy schedule and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
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Vicarious liability insurance FAQs

The moment you hire or employ another practitioner you are exposed to many risks as you are seen as the person responsible, especially if your employees aren’t independently insured. As a practice owner or service provider, you could be responsible for their mistakes.

If you are held liable for actions of your employees or anyone that works for or with you, you may have to use your business bank accounts or your own assets for legal services and defending claims.

Yes, our indemnity insurance is available for a wide range of medical professions.

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).

Medical indemnity insurance 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.

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.

Cover 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.

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.

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Vicarious liability insurance articles and guides

Why You Should Not Cancel Your Care Professional Liability Insurance

If you are travelling with pre-existing medical conditions, read our tips to help you have a safe and comfortable journey.

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Do I need a public liability insurance certificate?

A public liability insurance certificate which offers a summary of your policy is a great way to show you’re covered and put your clients’ minds at ease.

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State-Backed Medical Indemnity Scheme: What Does It Mean for Your GPs?

Find out how the state-backed medical indemnity scheme will affect your medical insurance.

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Income Protection for Care and Medical Businesses

With rising numbers of self-employed people and small businesses across the UK it’s more important than ever to make sure you have the right protection.

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Legal Advice Hub for Care and Medical Businesses

Find out about the Markel Law Hub, a legal information portal to give up-to-date legal information and a wide range of legal precedents for businesses.

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Evolving Risks Within the Care Sector

The UK social care insurance market has been restricted for many years, with underwriters concerned at the volume and cost of claims being reported across the sector. The COVID19 pandemic has not improved insurer’s attitude towards the attractiveness of either health or social care risks, meaning further restrictions being placed within the market.

As a result, it is vital that care organisations present themselves in the best possible light to ensure that they are able to obtain quotations from the limited number of insurers available, at the most competitive price.

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