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Medical Indemnity Insurance

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

  • UK and international cover including Primary and Secondary Care, Private Clinics and Hospitals, Fertility, Aesthetics and Medicinal Cannabis.
  • Exclusive schemes for chiropractors, dental laboratories/technicians, radiologists and osteopaths.
  • 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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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 Indemnity Plus policy

Towergate's Indemnity Plus policy offers cover for encountering a Good Samaritan Act and a claim being made against you regarding the medical services given. This policy includes regulatory disciplinary cover too. The Indemnity Plus policy 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.

Our medical indemnity insurance solutions

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.

New Towergate medical indemnity insurance scheme - Indemnity Plus

Medical Indemnity Insurance Claims

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.


Kings Court

London Road



Call us on:

0330 123 5921

Or email us with:

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

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.

Guide To Surgery Insurance

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A Guide to Surgery Insurance

If you own a surgery; be it medical, dental or veterinary, you'll need the correct insurance in place. Our guide explains what you should look for in your policy and some of the terminology involved.

risk assessments and inspections for nurseries


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.

Professional Indemnity Insurance Explained

insurance guide

Professional Indemnity Insurance Explained

Learn how to protect yourself and your small business with our comprehensive guide to professional indemnity insurance, also known as professional liability insurance.

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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