• Surgery Insurance

    Surgery Insurance

    Tailor cover for doctors, dental and veterinary practices and compare quotes from our panel of leading insurers

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27
January
2016

Compare Surgery Insurance Quotes

When it comes to protecting your surgery it pays to talk to someone that speaks your language and understands your risks and requirements. Our expert Healthcare Team providers cover for practices throughout the UK.  

Your dedicated advisor will help you identify your specific requirements and compare surgery insurance quotes from up to 10 of the UK’s leading insurers – simple, quick and cost effective!

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What Does Surgery Insurance Cover

Surgery insurance provides a suite of cover that will protect all the key risks of veterinary, doctors or dental practices. This includes the building itself (if owned by the practice), fixtures and fittings, contents and medical equipment, stock (including cover for drugs and vaccines), computers, laptops and other items of IT.

In addition to physical property, cover extends to legal liabilities for staff in the form of employers liability insurance as well as public liability for indemnity against claims from clients or members of the public for injury or damage to property – for example, a client slipped on a mopped floor and damaged their knee ligaments.   Other extensions to cover include business interruption (loss of profits following a claim), money, damage to signs or glass, fidelity guarantee (theft by employees) and legal expenses.

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Surgery Policy Cover

  • Cover for all types of surgery – Dental, Vets, Doctors / GP’s and any form of Medical Centre, Physiotherapy, Sports Injury or Cosmetic Clinics.
    Cover for all types of surgery – Dental, Vets, Doctors / GP’s and any form of Medical Centre, Physiotherapy, Sports Injury or Cosmetic Clinics.
  • Single or multiple site practice cover
    Single or multiple site practice cover
  • Sole Trader, Partnerships, LLP and Limited Companies
    Sole Trader, Partnerships, LLP and Limited Companies
  • Non-standard construction surgeries (flat roof, listed buildings or timber frame construction)
    Non-standard construction surgeries (flat roof, listed buildings or timber frame construction)
  • Surgery contents, computer and medical equipment, stock and drugs, fixtures & fittings, signs and glass
    Surgery contents, computer and medical equipment, stock and drugs, fixtures & fittings, signs and glass
  • Medical Bag, Laptop, tablet, mobile phone or medical equipment away from the surgery
    Medical Bag, Laptop, tablet, mobile phone or medical equipment away from the surgery
  • Employee dishonesty protection
    Employee dishonesty protection
  • Business Interruption (loss of income)
    Business Interruption (loss of income)
  • Legal liabilities up to £10m Indemnity (Public Liability & Employers Liability)
    Legal liabilities up to £10m Indemnity (Public Liability & Employers Liability)
  • Legal Expenses, Business Travel & Personal Accident options
    Legal Expenses, Business Travel & Personal Accident options

Why Insync for Surgery?

  • We compare prices and surgery cover from our panel of leading insurers
    We compare prices and surgery cover from our panel of leading insurers
  • Instant quotations - cover and policy documents in minutes
    Instant quotations - cover and policy documents in minutes
  • Flexible cover & monthly payments – just pay for the sections you need
    Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from dedicated healthcare and medical Insurance advisor
    Expert advice from dedicated healthcare and medical Insurance advisor
  • 24 Hour Claims Helpline
    24 Hour Claims Helpline
  • Personal – Digital servicing AND your own dedicated insurance professional
    Personal – Digital servicing AND your own dedicated insurance professional

Surgery Claims Example

Surgery Claims Example

During a cold snap a delivery driver slipped on ice / snow on the front step of surgery, tripping and damaging his thumb. His legal representatives sought compensation from the practice for injury and loss of earnings on the basis that the entrance should have been made safe for visitors. Insurers paid £7k under the public liability section of the surgery policy.

What’s the difference between Public Liability and Professional Indemnity (Malpractice) Cover?

What’s the difference between Public Liability and Professional Indemnity (Malpractice) Cover?

This is one of the most common questions we are asked when talking to healthcare professionals. The simplest way to understand it is to think of public liability cover non-medically related accidents which happen in the business – such as client slips, trips or falls. Medical professional indemnity (or malpractice as it is also referred), provides defence and compensation cover for medical negligence (including allegations) in terms of breach of professional duty of care owed to patients.
Standard surgery cover for vets, doctors or dentists provides public liability as standard and this will also extend to home visits. Veterinary or medical malpractice cover is arranged separately, either individually for each practitioner, or at practice level.

Aside from Surgery and Medical Indemnity, What Other Cover might a Healthcare Practice Need?

Aside from Surgery and Medical Indemnity, What Other Cover might a Healthcare Practice Need?

Other products typically considered by vets and medical practices include locum insurance, which provides a sum of money to pay for a locum in the event of injury or illness to one of your practitioners. A new emerging exposure which perhaps presents the biggest threat of all is cyber and data risks insurance. Medical and personal data is very valuable and is highly targeted – should this fall into the wrong hands the practice may be subject to ransom demands or compensation claims from patients. Cyber insurance offers protection post loss, but also has the ability to manage public relations and patient engagement to mitigate the impact to the practice. Cover includes computer records and physical data loss such as files or x-rays.