If you work in the healthcare industry and run a surgery or clinic for medical consulting or treatment, you need to arrange a specialist surgery insurance policy.
Whether you’re a doctor, dentist or vet, cover is available to fit the specific needs of your business.
Physiotherapists, osteopaths, chiropractors and complimentary or alternative therapists also need specialist surgery insurance, as do aromatherapists, homeopaths, hypnotherapists, psychologists, reflexologists, paediatricians and psychiatrists.
All of the above healthcare professionals, and many more, can be accommodated on a surgery insurance policy.
How to get the best surgery insurance quote
The best way to get a competitive surgery insurance quote, with a reputable insurer, is to speak to a local, independent business insurance broker who understands surgery insurance and the risks healthcare professionals face. They will be able to advise you which types of insurance cover you need.
Look for an independent insurance broker that specialises in business insurance and offers a personal service. They will usually compare the market for you and get you several no-obligation quotes from different insurance companies and then recommend the product that best fits your requirements. This will save you the hassle of searching on-line yourself and you'll have the benefit of being able to ask questions if you're not sure about something.
Insurance for Medical Equipment, Public Liability & Employers Liability
The types of insurance you might consider include:
- Property: buildings and contents, including stock of drugs and vaccines, hi-tech medical equipment and computers
- Employers liability, public liability, and products liability
- Legal Expenses
- Business Interruption: loss of income if you cannot trade from your premises following a catastrophe such as a fire or flood
Some types of insurance, such as employers liability, if you employ anyone, are a legal requirement. A professional business insurance broker will be able to advise you accordingly and help you decide what you need.
Medical Malpractice Insurance
Medical malpractice insurance, sometimes known as medical negligence insurance or professional medical indemnity insurance, is not included in a surgery insurance package policy, but may be available on a separate specialist policy.
Medical malpractice insurance covers your company against claims of clinical negligence and medical malpractice. It is a combination of professional indemnity and public liability insurance and includes cover for such things as breach of duty, bodily injury, misdiagnosis, errors and omissions and loss of or damage to property.
A business insurance broker will be able to advise you with regard to your particular profession and help you decide the limit of indemnity to select.