Coronavirus help and support for our insurance customers

Surgery Insurance

Tailored cover for doctors and GP surgeries and practices. Standard cover includes:

  • Free access to Towergate Risk Support, an online health and safety and HR support portal which includes 13 accredited e-learning modules
  • Insured contents covered when away from the surgery
  • Access to Markel Law Hub - your very own legal information portal

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Give us a call today to talk about your surgery insurance options

0330 123 5250
0330 123 5250

Weekdays 8:30am - 5.30pm
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Surgery Insurance Features

Loss or damage to medical equipment

GP practice contents are covered both within and away from the GP practice, for example if patients take away equipment for short-term monitoring providing it is only temporary. Refrigerated drugs and vaccines are covered up to £30,000 at any one location, and £5,000 per fridge.

Accurate valuations of your GP practice or surgery

Through our trusted partner CPA, we can offer free desktop indicative reviews as to whether the amount you have valued your building at is adequate. Should this indication suggest over or underinsurance, we can help you to arrange a full, on-site valuation with a previously agreed price.

Public liability cover for your GP surgery

A a GP surgery dealing with the general public on a daily basis, it is important to have sufficient liability protection in place. Our policy covers £5m as standard, and there is no excess amount applied to this aspect of cover.

Tailor your policy to your GP surgery's needs with optional cover

We understand that not all cover available is required by all GP practices, so to avoid you paying for cover you don’t need, we have some aspects of cover that are optional extras. These include legal expenses, to protect you against legal defence costs and Lorega loss recovery – a service to support you in the event of a claim over £5,000.

Surgery Insurance Claims

Our in-house GP surgery insurance claims team is on hand Monday to Friday between 9am and 5pm to support you. Furthermore, if you have a more urgent concern, we offer a 24-hour helpline.

Need to make a claim?

Call us on:

0330 123 5921

Or email us with:

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

Surgery Insurance Articles & Guides

Get tips and advice from our experts to ensure you get the best out of your business.

Guide To Surgery Insurance

insurance guide

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...

View insurance guide
Managing Staff Absence In Your Practice News Image


Managing Staff Absence in Your Practice

Statistics from the CIPD show that staff absence levels have dropped in the public sector. However, staff absence is still a concern. Read on to find out more about staff absence and the methods used to address the issue.


insurance guide

A Guide to Locum Insurance

When a locum is required to cover an absence in a medical practice it can be a stressful and costly time. Locum insurance can help your practice to continue putting patients first and protect you from the increased cost of working as a result of a staff absence.

Surgery Insurance FAQs

Why do I need employers' liability insurance on my surgery policy?

You are required to have employers' liability insurance if your business has employees. The requirement applies irrespective of whether your staff are full or part time. The insurance covers your legal liability to employees if they are injured at work or become ill as a result of the work they do for you. The policy will cover your legal defence costs and will pay compensation to the employee if you have been negligent.

What do you mean by minimum standard of security on my policy?

To provide theft cover, your insurance company will require a minimum level of security on your premises, this will include:

  • Five lever mortise deadlocks complying with British Standard 3621 on all final exit doors

  • Key operated window locks to be fitted on all ground floor and accessible opening windows

Please refer to your policy wording for full details as the requirements can vary according to the type of door and windows you have. This will not apply to any door or window officially designated a fire exit by the Fire Authority.

I own a number of GP surgeries - can they all be insured under the same surgery insurance policy?

As long as the GP surgeries are all the same legal entity, we can cover as many surgeries at any one time as you like.

I have given the wrong professional advice. Can my client claim under my public liability policy?

No, your policy does not provide cover for professional negligence. A professional indemnity insurance policy would be required.

Can I pay for my surgery insurance policy in instalments?

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

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