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This will depend on the type of surgery/practice that you run and the services that you provide. We have listed a few of the key covers below to help you find the covers you may need.
Any business that employs staff must have employer’s liability cover up to a minimum of £5 million. By staff we mean all employees including contract, causal, seasonal, or work placements (including students).
Employers liability insurance will cover legal costs and pay compensation in the event one of your employees is injured at work or becomes ill as a result of their job.
In your everyday activities’ patients, clients, suppliers and other members of the public will travel in and out of your surgery/practice. You need to protect yourself against any of them suffering an accidental injury while visiting your surgery. For example, if a patient or supplier tripped and injured themselves, any compensation awards will typically be covered by you’re the public liability section of your surgery insurance.
Contents insurance for your surgery will cover the costs associated with replacing or repairing items if they are stolen or damaged due to incidents such as theft, fire and flood.
Contents will include your medical equipment, computers, printers, waiting room furniture and reception desk etc.
By having your contents covered you have the peace of mind that you will be able to replace all your contents if the worst happens and keep your surgery running smoothly.
If you own the building that your surgery is in then you should get the buildings covered.
Buildings insurance will cover for damage to your surgery building(s) caused by events such as fire, lighting, flooding and earthquakes
Remember when valuing the buildings that this should be based on the cost of rebuilding the property not how much you paid for the property or the market value which could be very different
Professional indemnity insurance gives you cover if a patient/customer says you have given them bad advice, or that your work has caused a problem and takes legal action against you
If you are looking for Surgery Insurance, we can cover the following types of surgery/practices
| Acupuncture | Dentistry | Physiologist |
| Alternative Medicine | Holistic Therapy | Physiotherapist |
| Chiropodist | Medical - General Practice | Psychiatry |
| Chiropractor | Medical - Other | Psychotherapy |
| Clerical Services | Orthodontics | Rehabilitation |
| Complementary Therapist | Osteopathy | Veterinary |
Business interruption insurance provides support to surgeries following a serious incident such as a fire, flood, or anything which results in the surgery from being able to conducting their day to day business.
The cover is in addition to any claim under the buildings and contents, and is designed to help you continue your business activities as quickly as possible.
For example, it could help you to relocate to a new premise to practice from, while work is being done to restore your surgery.
If your surgery cares for humans or animals, there’s no doubt that it provides a vital lifeline to your community. As a surgery owner or practice manager, you work incredibly hard to deliver a quality service to all your customers – so why not let us sort out a medical clinic insurance package for you?
It’s simple to get a no-obligation quote and start protecting your surgery today.
Click here to compare surgery insurance .