Surgery Insurance

Tailored cover for surgeries, including:

  • Public liability with a standard limit of indemnity of £5 million
  • Free online risk support to help safeguard your practice
  • Legal expenses protection

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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

All risks cover for loss or damage to contents

Covering losses caused by incidents including fire, theft, vandalism, flood and water damage. Refrigerated drugs and vaccines - up to £30,000 at any one location and £5,000 per fridge.

Theft cover

Should your surgery be burgled, our theft cover will reimburse you for the financial cost of getting your business back on its feet - whether or not a forced entry was made to the premises.

Business interruption

Covering the loss of income should an incident occur that prevents the normal running of your business. £4 million business interruption cover as standard over a 24 month indemnity period.

All risks cover for medical equipment

We understand that medical equipment is costly and necessary to the running of your surgery. Cover for medical equipment as part of our surgery insurance policy is on an “all risks” basis, meaning that there is no limit to how many items are taken away from your business, as long as this is only temporary.

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
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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