Medical Indemnity Insurance

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

  • Towergate's new 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
  • Exclusive schemes for chiropractors, dental nurses, dental laboratories/technicians, radiologists and osteopaths
  • We can offer Indemnity for Good Samaritan acts / disciplinary cover, tailored to include your private practice, through our Indemnity Plus scheme

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Call our experienced advisers to discuss your medical indemnity insurance needs:

0330 123 5920
0330 123 5113

Weekdays 8.30am – 5.30pm
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Towergate's New Indemnity Plus policy

Towergate's new Indemnity Plus policy offers cover for encountering a Good Samaritan Act and a claim being made against you regarding the medical services given. This new policy includes regulatory disciplinary cover too. The all new Indemnity Plus offers peace of mind  to you and can include your private practice that is excluded from the State-backed Scheme, CNSGP. To find out more, visit the NHS's Resolutions site.

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Our medical indemnity insurance solutions

What medical indemnity insurance covers

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.

Industry-wide medical indemnity cover

Depending on your profession and circumstance we can arrange for advice, assistance and representation at proceedings, including a disciplinary committee of a professional body e.g. GMC, GDC; health authority or primary care trust; health board or primary care trust; service complaint proceedings or NHS tribunal; inquest proceedings or fatal accident inquiry. Our Indemnity Plus scheme offers peace of mind as it protects you in the event of attending as a Good Samaritan and a claim being made against you, and includes regulatory disciplinary cover. We can also add your private work to this policy.

New medical indemnity insurance scheme: Indemnity Plus

In response to the limitations of the state-backed medical indemnity policy, we have launched Indemnity Plus to provide claims-made protection for your GPs. It provides cover for: Professional duties whilst attending a Good Samaritan Act; GMC proceedings; coroner's inquest representation; criminal defence; and disciplinaries. What is more, we can extend this policy to cover you for private fee-paying work – just ask us for more details.

'Run off' medical indemnity cover

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.

New Towergate medical indemnity insurance scheme - Indemnity Plus

Medical Indemnity Insurance Claims

Should you need to make a claim, there are no forms to fill in; instead you'll speak to a member of the team. You can get in touch with us even if a claim has not yet arisen: we encourage you to report any incident which could lead to a claim. Letting us know early on will not prejudice your claim but means we can get the process started for you or simply put your mind at ease.

Make sure you keep a record of all correspondence related to your claim and please do not admit liability or speak with the claimant as this could affect the outcome of your claim.

Need to make a claim?

Our in-house medical indemnity insurance claims handlers are available Monday to Friday between 9am and 5pm to support you. Furthermore, if you have a more urgent concern, we offer a 24-hour helpline.

Call us on:

0330 123 5921

Or email us with:

  • Your policy number
  • A contact number
  • Details of your claim
  • Relevant photos

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Medical Indemnity Insurance FAQs

What does medical indemnity cover you for?

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.

Do you offer dental indemnity insurance?

Yes, our indemnity cover is available for dentists.

What is 'claims made'?

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.

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

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.

Do you provide medical indemnity insurance for radiographers?

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

Why do I need medical indemnity insurance?

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).

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

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.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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