Surgery Insurance

Tailored cover for all types of medical practice, including doctors surgeries, dental practices, veterinary surgeries and dental laboratories. 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
  • £4m business interruption cover over a 24-month period
  • 24-hour business emergency helpline

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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, including temporary use outside your practice

Practice contents are covered both within and away from the practice, for example if patients take away equipment for short-term monitoring, or scanning machines are taken off site by a vet – providing it is only temporary. Refrigerated drugs and vaccines are covered up to £30,000 at any one location, and £5,000 per fridge. This can be increased upon referral if required.

Accurate valuations of your practice or surgery

Through our trusted partner, we can offer free desktop valuation reviews – that can indicate 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 from our partner CPA.

Public liability cover

When dealing with the general public, 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.

Optional extras - tailor your policy to your surgery/practice needs

We understand that not all cover available is required by all 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 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.

For material damage and business interruption claims of over £5,000 you can count on our Claims Assist team. We will appoint a chartered loss adjuster specialising in the type of loss you have experienced to look after your interests and ensure the entire claims process is handled quickly, fairly and without unnecessary stress.

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
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Welcome to the Towergate Care Awards 2018

This year, the Towergate Care Awards shone the light on care communities across the UK, celebrating those who often do not receive the recognition they deserve for the hard work and dedication they put in day in, day out, to make a difference to the lives of those they care for. We invited nominations for caring professionals, from teachers to home carers and presented three finalists per category to a public vote. Meet the 2018 Towergate Care Awards winners and find out about their stories.

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.

Lady In Wheel Chair With Carer


How often should risk assessments be carried out?

Risk assessments are vital in any industry, they help minimise injuries and subsequent liability insurance claims. How often risk assessments are carried out can be vital in ensuring you are compliant. In the care industry however, there are extra factors to consider which make risk assessments even more important, particularly fire safety assessments.

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 surgeries - can they all be insured under the same surgery insurance policy?

As long as the 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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