Healthcare cover

Medical indemnity insurance

Specialist cover for carers, nurses, and healthcare technicians. Three covers in one policy: medical malpractice, professional indemnity and public liability.

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Five-star cover for healthcare professionals

Cover for over 80 professions, including:

  • Carers
  • Childcare professionals
  • Dental hygienists
  • Nurses
  • Nutritionists
  • Paramedics
  • Technicians

Three covers in one policy

1

Medical malpractice

Medical malpractice insurance is specialist cover for healthcare and allied health professionals. It offers protection for accidents such as bodily injury or even death to people in your care, spanning reasons such as:

  • Delayed diagnosis
  • Delays in referral
  • Missed diagnosis
  • Physical or mental harm to a person under your care
2

Professional indemnity

Professional indemnity insurance is often mandatory for healthcare professionals. It provides protection in relation to claims for financial loss caused by your errors or omissions.

For example, if you were to inadvertently incorrectly measure a client for specialist tailored equipment, which resulted in them being unable to use or return the equipment, professional indemnity insurance may be able to recover this cost.

3

Public liability

Public liability insurance offers financial and legal protection in the event that someone is injured or their property damaged accidentally by you while you're working.

For example, if you were to visit the home of someone in your care and spill something on the floor damaging their carpet, public liability insurance may cover the cost to clean or replace the carpet.

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Medical indemnity insurance FAQs

What risks does this policy cover me for?

Our specialist cover for healthcare and allied health professionals offers comprehensive cover for risks faced while caring for patients. This includes (but is not limited to):

  • Incorrect treatment
  • Prescription errors
  • Failure to provide a sanitary environment
  • Good Samaritan acts

Who is this cover for?

Our medical indemnity insurance is designed for self-employed carers, nurses or healthcare technicians.

We can cover a broad range of specialists, including (but not limited to):

  • Audiologists
  • Biomedical scientists
  • Carers
  • Childcare professionals
  • Complementary therapists
  • Dental hygienists
  • Dental technicians
  • Dieticians
  • First aiders
  • Nutritionists
  • Occupational therapists
  • Paramedics
  • Pharmacists
  • Pharmacy technicians
  • Physiotherapists

What levels of cover do you offer?

During the quotation process you'll be able to select from £500,000 to £5 million cover for your medical indemnity package. You'll also be given the option to add cyber insurance to your policy.

What is medical malpractice insurance?

Medical malpractice insurance (med mal for short) covers medical and healthcare professionals for claims alleging a mistake or negligence in the course of their duties.

Claims of medical negligence against healthcare professionals are on the rise, and the repercussions can be extremely serious, including disciplinary proceedings, medical malpractice inquiries and hefty legal and compensation costs. Medical malpractice cover will enable you to defend yourself and cover the costs involved.

Can you provide run-off cover?

We can arrange for run-off cover to be added to your policy at an additional cost.

What is run-off cover?

Run-off cover is designed to cover you for any claims arising from work previously carried out, after you've stopped working.

What is cyber insurance?

Cyber insurance may sound irrelevant to you, as a healthcare professional, but it's actually for any professional holding personal, medical or financial data about clients (e.g. patient data such as name, date of birth, diagnoses, condition etc.).

Whether you're storing this type of data on a smartphone, computer or in cloud-based storage, cyber insurance offers financial and specialist support in the event of a data breach.

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Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.