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Welcome to MIAB


Founded in 2002, we began as a provider of Locum Insurance to GP practices. Through innovation and development, we’ve grown quickly and expanded the range of products we offer and the sectors in which we operate.

We now provide bespoke commercial and personal insurance policies and, as the approved supplier of insurance services to First Practice Management, your membership entitles you to preferential rates.

We believe in providing the highest level of service possible, and constantly strive to provide the best products, advice and experience to our customers. Going beyond being seen as a service provider, we try to add value through knowledge and expertise.

Our Products

Thank you for your interest in our insurance products*. Please click on the title to find out more, including our Introductory Offer for Professional Indemnity & Medical Malpractice.

Locum insurance pays for cover when accident, sickness or other unplanned absence affects your practice. It not only covers the costs of hiring a Locum, or temporary staff, but also extra hours worked by existing team members.

The policy protects the practice’s revenue stream and by maintaining service levels, its reputation. It also reduces the risk of an absent partner funding the costs themselves or being struck from the partnership because they cannot meet their contractual obligations. 

Practice Insurance covers the risk of financial shortfalls arising from loss or damage to a practice’s people, premises, belongings, equipment and income.

It’s designed to make sure a practice is protected against the most common perils such as fire, flood, theft and damage, and losses arising from claims made against the business from members of the public who have suffered injury at the premises.

Cover for all medical partners, salaried partners, GP locums and employees (including nurses, technicians, therapists, paramedics, emergency medical technicians and first aiders) in respect of medical professional liability, and can include other practice or corporate liabilities. The policy covers the cost of compensating clients and service users for loss or damage resulting from negligent services or advice provided.

Take advantage of our Introductory Offer: Free reviews of your Professional Indemnity and Medical Malpractice policies.

Are you overpaying? Or think you may be? Let our expert Specialist Insurance Advisers analyse your cover. Complete the Quote form, including “FPM01” in the More Information box, and upload your schedule(s). One of our Advisers will be in touch to discuss your cover. 

D&O insurance covers the cost of defending claims made against a business’s directors and key managers (officers) for alleged wrongful acts, and any subsequent compensation costs, made against them by shareholders, investors, employees, regulators or third parties. Essential for any GP Federation or newly formed company.

 

The Management Liability Policy is designed to help protect healthcare practices from the risks they commonly face, such as NHS claw backs, CQC inspections and problems arising, employment disputes, partnership disputes, official investigations (such as, NHS England and the Health & Safety Executive) and shareholder disputes within provider companies.

It is particularly suitable for GP Federations or organisations with large numbers of shareholders, partners, employees and sites.

This policy will help you ensure you have the management liability cover in place to protect you and your practice against such risks. It is not to be confused with Legal Expenses Insurance, often sold as an add-on to commercial insurance. It can include Employment Practices Liability that covers legal costs, awards and settlements for any employment claims brought against you, and legal costs of representation at official employment investigations.

Cover your business’s machinery and electrical equipment from a wide variety of risks, such as explosion, collapse, breakdown, accidental damage and more. Includes autoclaves, compressors and pressure vessels.

A Group Private Medical Insurance scheme is designed to keep your employees and colleagues as healthy as possible and offer reassurance and control if they were to experience worrying symptoms.

Diagnosis and treatment can be dealt with almost immediately, reducing the anxiety of the unknown and allowing your colleagues to concentrate on getting better sooner.

Depending on the level of cover, PMI may include tests, hospital accommodation, nursing care, surgery and therapy. Many schemes offer flexible appointments that accommodate working schedules, as well as 24/7 access to medical experts on health helplines and programmes that offer a range of support services, such as legal, debt and counselling advice. A common feature is discounted access to health centres so your teams make it easier to stay healthy.

Partnership protection provides a financial lifeline to the remaining partners by providing the funds to buy the share of the business and keep control if a business partner dies or is diagnosed with a critical illness.

Easing the financial burden at a difficult time, life insurance provides protection for the family of your employees and colleagues.

In the event of death, the policy pays a tax-free lump sum to assist dependents financially when they are at their most vulnerable.

Life insurance may be used, for example, to support school fees planning, pay off a mortgage (residential or commercial), clear debts, cover funeral costs or just help out financially until children are old enough to support themselves.

Critical Illness Cover for employees and colleagues provides a tax-free, cash payment if they are diagnosed with one of the critical illnesses listed in the policy.

These will vary by policy but typically include 50 illnesses, with cancer, heart attack, stroke and MS the top four illnesses claimed-for.

The money paid out can be used to make life easier, allowing your employees and colleagues to focus on getting better sooner. It payment could be put towards medical treatment, mortgage, rent or household bills, or perhaps adjustments to a home or car.

Cyber Insurance covers the losses relating to damage to, or loss of information from, IT systems and networks in your business or practice. It is a must-have protection for those that hold sensitive patient or customer details such as medical records, names and addresses or banking information and those that process card payments. 

Being unable to work through sickness or absence can have many serious effects, not least a loss of income.

Income Protection insurance pays up to 60% of your salary if you are unable to work through sickness or accident. The regular, tax-free income provided continues to be paid until your normal retirement date (or return to work, if sooner).

The payment provides an income, giving you and your family peace of mind at a difficult time. As long as the premiums are maintained, cover is guaranteed for the duration of the plan, meaning you can claim as many times as required. If you return to work in a reduced capacity, the policy will continue to pay out at a reduced level.

With insurance companies fighting for business there is no better time to review your current policies.

Life insurance is a simple, cost-effective way to protect your family financially when they are at their most vulnerable.

By paying a tax-free lump sum upon death, life insurance may be used, for example, to support school fees planning, pay off a mortgage (residential or commercial), clear debts, cover funeral costs or just help out financially until your children are old enough to support themselves.

A life insurance policy can also be set up as part of a partnership protection plan to protect you and your business, and can be combined with Critical Illness or Income Protection plans.

It’s easy to think “it won’t happen to me” and most of us have done it, but we probably all know someone affected by a critical or life-threatening illness. According to Cancer Research UK, 352,197 people in the UK were diagnosed with cancer in 2013 - that’s 964 every day.

Should you suffer from a critical illness the priority is, rightly, treatment and recovery. But the sad fact remains that, by its unplanned nature, dealing with a critical illness brings its own costs and consequences.

Critical Illness insurance provides a tax-free, cash payment if the policy holder is diagnosed with one of the critical illnesses listed in the policy. These will vary by policy but typically include 50 illnesses, with cancer, heart attack, stroke and MS the top four illnesses claimed-for.

Critical Illness Cover can be purchased as a stand-alone policy or added to a life insurance or mortgage protection policy to enhance the benefits. Children are usually covered under the plans free of charge.

Supporting NHS treatment, Private Medical Insurance (PMI) is a simple way to protect your health and the health of your loved ones by paying for private care.

Nothing is more important to you than your health, and the health of your family. If you or your loved ones were to experience worrying symptoms, PMI offers reassurance and control at a difficult time.

Diagnosis and treatment can be dealt with almost immediately, reducing the anxiety of the unknown and allowing you to concentrate on getting better sooner.

Depending on the level of cover, PMI may include tests, hospital accommodation, nursing care, surgery and therapy.

Mortgage Protection Insurance is designed to pay out a cash sum to pay off your mortgage in the event of death or the event of accident or illness prevents you from working. It provides reassurance that the mortgage payments are covered and your family home is secure at a difficult time.

Annual multi-trip policies, single trips, long stay and backpackers, available for families, couples and single travellers. Cover can also be provided for winter sports, extreme sports and hazardous activities and for those with medical conditions, while extensions are available for cruises and business trips.

For your main residence, second and holiday homes (including some overseas locations) as well as contents, which includes fine art, antiques, guns and watercraft. This policy can be used for standard and high value properties and/or possessions, thatched properties, properties undergoing renovation and properties with a subsidence or flood risk.

Cover for residential property owners and those with Buy-to-Let mortgages, with the options to include contents, loss of rent, rent guarantee and eviction of squatters cover.

Mortgages are one of the largest single transactions in most people’s lives. Buying a property – commercial or personal - can be a stressful and time-consuming experience.

Banks, building societies, and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers.

Finding and selecting the most suitable mortgage, rather than simply accepting a lender’s offer, can take-up a significant amount of time and consideration.

We work with specialist mortgage brokers HCF who can offer access to a wide range mortgage and re-mortgage deals from lenders across the market. Their expert advisers will find products matched to your circumstances, presenting the options clearly and simply.

Competitive finance to fund new business assets and equipment, practice refurbishment, acquisitions, partner buy-ins/outs and more.

Looking after your business can leave little time for managing your finances. Get access to experts who understand your profession, challenges and ambitions and deliver solutions that work for you to secure your current and future lifestyle.

Find out more

To find out more, call us on 01438 730210, complete the Query form on the right or fill-out the Quote form below. One of our expert Advisers will be in touch shortly to discuss your requirements.

*Please note: Products are subject to the full terms and conditions contained in the policy. Not all features are available in all policies.

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MIAB is a trading style of The Medical Insurance Advisory Bureau Ltd which is authorised and regulated by the Financial Conduct Authority under register number 586374 as a general insurance intermediary and as a credit broker. MIAB does not charge any fees to customers in relation to Credit Broking activities. In Jersey, MIAB is regulated by the Jersey Financial Services Commission Ref: GIMB0222. The Medical Insurance Advisory Bureau Ltd Registered in England and Wales No. 7217140 Registered office: 64 Wilbury Way, Hitchin, Hertfordshire, SG4 0TP.

Our aim is to always provide our customers with a first-class service, however, in the event of a complaint, please contact our Complaints Manager, on 01438 730210 or email complaints@miab.co.uk. If you cannot settle your complaint with us, eligible complainants may be entitled to refer it to the Financial Ombudsman Service (FOS) for an independent assessment. The FOS Consumer Helpline is on 0800 023 4567 and their address is Financial Ombudsman Service, Exchange Tower, London E14 9SR. Copyright © 2018 The MIAB. All Rights Reserved.

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