Medical Indemnity Insurance

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

  • We source medical malpractice insurance for professionals with previous claims or disciplinary actions against them
  • Exclusive schemes for chiropractors, dental nurses, dental laboratories/technicians and osteopaths, plus we can source indemnity insurance for radiographers
  • Each profession and circumstance is different so our policies are tailored precisely to your needs

Request a medical indemnity insurance quote

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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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Medical indemnity insurance features

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 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 inquiry.

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.

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


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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, 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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