Medical Malpractice Insurance
Specialist medical malpractice insurance for healthcare professionals, private practices and medical businesses.
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Medical Malpractice Insurance for Healthcare Professionals
When patients place their trust in healthcare professionals, they expect a high standard of care.
However, even experienced practitioners can face allegations of negligence, treatment errors or failures in diagnosis. Medical malpractice insurance can provide financial protection against eligible clinical negligence claims, helping with legal defence costs and compensation where covered by the policy. At MIAB, we help healthcare professionals and businesses explore insurance arrangements suited to their clinical activities, professional responsibilities and potential liabilities.
What is Medical Indemnity or Medical Malpractice Insurance?
Protection for clinicians and healthcare businesses when a patient alleges negligence (e.g., misdiagnosis, delayed diagnosis, treatment error). Policies are usually claims-made and can include legal defence, settlements and regulatory investigations within the limit.
- Contract-certain insurance options: cover is a legal promise under the wording.
- Discretionary indemnity (typical of some MDOs): assistance can be declined at discretion.
- Governance: regulators expect “appropriate and adequate” indemnity for your full scope of practice.
What does Medical Malpractice Insurance cover?
Medical malpractice policies are designed to address the financial consequences of clinical negligence claims. The precise protection depends on the insurer, policy wording, selected limits and any applicable exclusions.
- Clinical negligence claims
- Legal defence costs
- Compensation and settlements
- Corporate and organisational liability
- Regulatory and professional proceedings
Who needs Medical Malpractice Insurance?
GPs & GP practices
delayed diagnoses, prescribing errors
Consultants & surgeons
invasive procedures in private settings
Dentists & dental nurses
treatment-related negligence
Locums
portable protection across contracts
Clinics & healthcare businesses
vicarious liability and regulatory costs
Why choose Medical Malpractice cover with MIAB
Healthcare specialists
20+ years supporting GPs, consultants, dentists, clinics and locums across the UK.
Robust wordings
Defence costs, settlements and regulatory investigations (GMC/GDC) typically included.
Flexible structure
Limits from £1m–£10m, plus retroactive and run-off options for long-tail claims.
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