Today, the public and legal systems expect more from healthcare professionals than ever before and without the right professional liability insurance, sonographers are unable to protect themselves against medical malpractice claims. A malpractice claim can be financially devastating for a sonographer and ruin their reputation without the correct defence.
As a sonographer, you offer your medical services to your clients, but also put yourself at risk of alleged errors and omissions. Sonography malpractice insurance protects you against the full cost of legal expenses and will protect you from losing personal assets, such as your house, in a legal medical malpractice battle.
A comprehensive insurance package can cover your equipment and other business assets, financial risks and your liability to others. For example, s medical malpractice insurance, also referred to as Errors & Omissions, can cover defence costs and awards made against you should a patient allege that they were harmed by your treatment. This ensures that should you need legal advice for a claim made against you, you will not be responsible financially for defending yourself legally. Additional coverage, such as directors’ and officers’ liability insurance, can be added to a sonographer insurance programme.
You need sonographer insurance as without the right protection, a sonographer could be financially ruined by a malpractice claim. Even if you are not truly at fault, a frivolous claim can be financially draining without the right legal defence coverage. The majority of sonographers who are faced with malpractice claims never thought it would happen to them, making insurance important for any sonographer, no matter how experienced they are.
It is also important to note that an employer’s insurance may not be enough coverage for a sonographer. Having your own policy ensures you will be protected against all claims against you, regardless of whether or not you change employer. Choosing your own coverage allows you to choose your own policy terms, protecting yourself to suit your own needs.
At AP Insurance Brokers, we are independent insurance brokers who are experienced in providing insurance for sonographers. Our experienced team are extremely responsive, which ensures that if you choose to contact our firm with an enquiry or query, we will respond to you as soon as possible.
We appreciate every business we work with is different and for this reason, we never offer one-size-fits-all insurance policies. Instead, we get to know you on a personal level and help you find the insurance cover that perfectly covers your sonography services. Our friendly team would be more than happy to speak to you, so do not hesitate if you’d like to get in touch with us.
1. How can I get a quote?
To get a quote call us on 01527 306 041, or fill in the Contact Us on the AP Insurance website. You can also contact us via our email, enquiries@apinsurance.co.uk, or social media pages.
2. How much cover do I need?
You must be responsible for deciding how much coverage you need, as it depends on your job requirements and personal preferences. A member of the AP Insurance team would be happy to discuss your coverage options with you.
3. Do I need cover if I’m retiring or ceasing activities?
If you are retiring or leaving sonography, run-off coverage will protect you for a limited time even once your policy periods have ended or you have left the sonography or medical industry. Run-off coverage is a precautionary measure that all sonographers should take.
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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 cover damage to equipment for example by, computer hacking or denial of service attacks.
Ultrasound equipment can be expensive to replace. We can also include accidental damage to probes etc plus breakdown of the equipment as well as the “normal” cover for contents and stock against damage such as fire, theft or escape of water.
To cover damage to fixed glass and sanitary fittings.
To cover theft of money from the premises, in transit or the home of an authorised person.
To cover lost income and the costs of keeping the business running following insured damage at the premises.
To cover loss of income following a data breach, denial of access or cyber attack.
Handling cash or valuable stock can result in theft by employees. This insurance will cover such events.
To provide legal advice and costs of pursuing or defending certain actions such as employment, contractual or property disputes.
To protect the personal assets of a director or senior employee following an allegation that they committed a wrongful act during the course of employment e.g. Health & Safety at Work, employment dispute or financial matters.
To cover legal defence costs and awards made against you arising from your liability at law for injury to your employees. This is compulsory.
Usually added to Directors’ & Officers’ Liability insurance, this protects the business in the event of an alleged wrongful employment act.
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 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 products or services supplied by you.
To cover claims from third parties for damage to their systems, loss of money, business interruption, breach of copyright, penalties from regulator.
Ms CP, Sonographer, Eastbourne
Ms DM, Radiographer, Clacton on Sea
Victoria Fothergill, Sonographer, Nottingham
CH, Sonographer, Basingstoke
Julia Warne, Sonographer, Cheltenham
MB, Sonographer, Ilford
