Medical Indemnity Insurance

Medical indemnity insurance for doctors, nurses, dentists and health care professionals.

  • We source insurance for professionals with previous claims or disciplinary actions against them
  • Each profession and circumstance is different so our policies are tailored precisely to your needs
  • Exclusive schemes for Chiropractors, Dental Nurses, Dental Laboratories/Technicians and Osteopaths

Make an inquiry for a full requirement review, free of charge:

Get a Quote

Call our experienced advisors to discuss your options and requirements:

01438 739 839
0330 123 5113

We’re here for you Weekdays 8.30am – 5.30pm
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To meet your duty of care and legal requirements as a health care professional our policies can include the following features.

What we 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.

Protection against unsuccessful claims

Our insurance is designed to protect you through your claim, even if unsuccessful. This means that even the legal fees arising from defending an unsuccessful claim can be covered, excluding any claim for treatment undertaken under NHS Trust Indemnity or its equivalent.

Industry wide cover

Depending on your profession and circumstance we can advise, assist and represent you for proceedings including: • 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 enquiry.

'Run off' cover

We can approach our insurers with a view to providing retrospective cover. In order to ensure your past work is protected. As due to the statute of limitation, a patient has up to 3 years to make a claim, from the time they become aware of the error, and then another 3 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 Claims

Claims for medical indemnity insurance can be very complex, so it's important to follow the right procedures. If you have any reason to believe you might need to claim, just follow the simple procedure below, and we'll advise you of the best course of action.

What to do

If any circumstance arises that might lead to a claim, you should contact us immediately, forward any correspondence relating to the potential claim and avoid speaking to the claimant or their representatives (as this could prejudice the outcome).

There are no claim forms to fill in. Even if you are not sure whether or not an incident will lead to a claim, you should notify us anyway. This will not prejudice your policy and we will be able to put your mind at rest or, if necessary, start the claims process.

To get the ball rolling, simply call us on:

01438 739 731

Lines are open Monday to Friday, 9am-5pm.

Medical Indemnity Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your medical indemnity insurance.

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What is liability insurance?

There are three main types of liability insurance. Each has a slightly different focus and will protect you from different potentially costly scenarios in working life. We look in-depth at which are right for your business.

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Risk Assessment and Inspections

The statutory framework for the Early Years Foundation Stage sets out legal requirements that all providers must meet, as well as having policy and procedures for assessing risk. This article runs through key steps to be taken and what you can expect when being inspected.

Medical Indemnity Insurance FAQs

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.

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, dentists. For others, such as 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.

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