Medical Malpractice Insurance
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Medical Malpractice insurance protects healthcare professionals and practices when a patient alleges that a clinical decision, a procedure, or a failure to act caused them harm. Even when you've done everything right, complaints happen. And the cost of defending a clinical negligence claim, regardless of the outcome, is substantial. This cover means you can focus on your patients, not on what happens if one of them decides to sue.
What This Covers
Legal defence costs for clinical negligence claims- Compensation awarded to patients for alleged harm
- Claims arising from treatment decisions, procedures, or omissions
- Regulatory investigations and fitness to practise proceedings
- Good Samaritan acts covered in some policy wordings
- Run-off cover for claims made after a practice closes or a practitioner retires
What This
Does NOT Cover
Deliberate or criminal acts- Claims arising from circumstances known before the policy started
- Non-clinical disputes or employment claims
- Fines and penalties that are uninsurable by law
Illustrative
Claim Example
Illustrative Example
A private physiotherapy clinic was brought a claim by a patient who alleged that a treatment protocol had worsened an existing injury rather than improving it. The clinician had followed standard practice throughout. Their Medical Malpractice policy covered the full cost of expert legal defence and a settlement of £32,000. The clinic paid only their excess.
The right cover keeps your business protected when it matters.
Protect Your Business
Who
Needs This Insurance
Private healthcare practitioners of any discipline
Clinics, practices, and healthcare businesses
Allied health professionals including physios, osteopaths, and therapists
Any healthcare business operating outside the NHS indemnity scheme
Who Needs This Insurance
Ready to
get covered?
Get a quote for Medical Malpractice cover built around your practice.
