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Management Liability Insurance for Opticians

Cover for you, your business and your employees in respect of medical professional, practice and corporate liabilities.

Protecting you and your business Get a quote

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.

Three covers in one

Management Liability includes Directors and Officers LiabilityCompany Legal Liability and Employment Practices Liability:

  • Directors and Officers (D&O) Liability

Being a Director or Officer (key manager) of a business brings a number of statutory duties and responsibilities. Breaches of health & safety or tax regulations, or regulatory intervention from your professional body, could instigate criminal and regulatory investigations, potentially leading to prosecution, prison sentences and being unable to practice.

D&O Liability covers you for the personal liability risks faced under many areas of statutory and common law. You get legal and other expert help as required to give you the best possible defence in the event of an investigation or claim made against you and it covers the cost of defending claims made for alleged wrongful acts. The policy will also pay any settlements and awards that are required (not including fines or penalties).

  • Sole Practitioners, Partnership & Company Legal Liability

Criminal and regulatory investigations or prosecution can arise from numerous potential breaches of the law, including health & safety and tax, and regulatory intervention from your professional body. In the worst case scenario, failure to prove you have adhered to regulations could leave your business unable to practice.

Sole Practitioners, Partnership & Company Legal Liability covers your business for the risks faced under many areas of statutory and common law. The policy covers all types of official investigation or prosecution and is not restricted to certain regulators or to health & safety only, giving you greater certainty of cover when you need it most. It gives you expert legal help in the event of an investigation or claim made against you and will also pay any settlements and awards that are required (not including fines or penalties).

  • Employment Practices Liability

You are at least three times more likely to face an employee tribunal than have a fire claim and, generally, an employer will not recover the costs of defending any tribunal claim.

Having an Employment Practices Liability policy ensures your business and you are covered against claims made by existing and former employees. It entitles you to expert legal help in the event of an investigation or claim made against you, and covers legal costs, awards and settlements, and legal costs of representation at official employment investigations. Employment Practices Liability is also available as a standalone product.

Common claims and average awards

The table below provides an overview of common claims made against healthcare practices, and average awards excluding legal costs (employment tribunal stats 2014).

 Common claim  Average award
 Unfair dismissal  £11,813
 Sexual harassment/discrimination  £14,336
 Racial discrimination  £11,203
 Age discrimination  £18,801
 Disability discrimination  £14,502

Management Liability Helpline

The Management Liability Helpline is free to policyholders and is operated by one of the country’s leading healthcare solicitors, Lockharts. The helpline can be used as a tool to assist in preventing employment challenges like disciplinary or grievance issues from turning into expensive and time consuming claims.

Unlike many legal expense covers there is no necessity to contact the helpline in order for the cover to operate. However, in the majority of employment claims, the excess will be removed where helpline advice has been obtained and followed.

Our expert advisers will help you choose the most suitable policy

We will discuss with you the factors you need to consider, such as limit levels.

Get a quote


Renewal time comes around so quickly but it was a simple and easy process. Given lots of time to review the renewal policy and ask any questions, which were answered very promptly. The price is very competitive too! Great service from a very good company!
- Lilian Borrows, Practice Manager, Sullivan Way Surgery

Approved Partner