Deciding on the types of insurance that you need for a doctors’ surgery or health centre can be confusing.
We will spend time to understand the risks that you face, give advice about security and then be able to recommend what insurance you must have, should have and could have. In the meantime, the table below tells you more about the insurance that a business in the health sector should be considering.
We can help doctors and practice managers with their surgery insurance in Bromsgrove, Evesham, Droitwich Spa, Redditch, Worcester, Warwickshire, West Midlands and further afield.
To insure the buildings against damage such as fire, storm, flood or escape of water.
Damage to equipment at and/or away from the premises. This can include breakdown cover. It’s critical to get sums insured correct, so remember to include all fixtures and cabinetry.
Cyber insurance can cover damage to equipment for example by, computer hacking.
To insure the business contents and stock against damage such as fire, theft or escape of water.
To cover damage to fixed glass and sanitary fittings.
To cover lost income and the costs of keeping the business running following insured damage at the premises. You need an insurer that can help you up and running quickly.
Cyber insurance can cover loss of income following a data breach, denial of access or cyber attack.
To provide legal advice and costs of pursuing or defending certain actions such as employment, contractual or property disputes.
To cover legal defence costs and awards made against you arising from your liability at law for injury to your employees. You may also need this if you use self-employed workers. This is a compulsory insurance.
Partners and senior staff can face personal actions for wrongful acts that they may commit in running the business. Even frivolous or malicious accusations need to be defended
Usually added to Management Liability insurance, this protects the business in the event of an alleged wrongful employment act.
Whilst practitioners will have personal cover, any health care business set up in a limited company name creates an additional vicarious liability. So it’s important that this company also has malpractice insurance to cover legal defence costs and awards made against you arising from your liability for physical or emotional harm caused during medical treatment.
To cover legal defence costs and awards made against you arising from liability at law for injury to others or damage to their property arising out of your business activities (but not products supplied).
To cover claims from third parties for damage to their systems, loss of money, business interruption, breach of copyright, penalties from regulator.
To provide a lump sum payment and/or regular weekly payments following permanent or temporary disablement as a result of an accident e.g. loss of an eye or a broken leg.
Ms CP, Sonographer, Eastbourne
Ms DM, Radiographer, Clacton on Sea
Victoria Fothergill, Sonographer, Nottingham
CH, Sonographer, Basingstoke
Julia Warne, Sonographer, Cheltenham
MB, Sonographer, Ilford
