Practice Insurance

Protection for buildings, contents, liabilities and more, designed specifically for the healthcare professions.

Cover for your business, reassurance for you

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Running a medical or healthcare practice is unlike most other businesses, with a unique set of challenges. We’ve designed a Practice Insurance policy, sometimes called a Surgery Insurance policy, covering commercial, staff, liability and equipment-related risks.

Practice Insurance for Primary Care practitioners

For GP practices, surgeries, medical centres, federations, clusters, MCPs and more.

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Practice Insurance for Dentists

Private or NHS, the policy can cover autoclaves and compressors as standard.

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Practice Insurance for Pharmacies

Stock is covered in addition to your contents.

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Practice Insurance for Opticians

For Optometrists and Dispensing Opticians, the cover can include specialist, diagnostic and IT equipment.

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Flexibility and Benefits

Businesses don’t fit a generic policy template so our policy is adapted and shaped to meet your needs. We work with you to find suitable cover limits so you don’t pay extra for cover you may not need. For example, why insure your turnover for millions if it is hundreds of thousands?

Our expert advisers will help you choose the most suitable policy

Our Practice Insurance is appropriate for single or multi-site businesses, and single-handed practitioners or multi-partner practices.

As experts in insurance, our Specialist Insurance Advisers are on hand to answer your questions and tailor the policy to your needs.

Mechanical and Electrical equipment breakdown, including specialist, diagnostic and IT equipment
Computers covered in addition to your contents
Full theft, which includes walk-in theft - you don’t need signs of a break-in to claim (dependant on policy)
Employer and public liability insurance
Tax investigation cover for the business that will extend to the personal affairs of the partners/Directors of the practice
Business Interruption cover for costs incurred and lost revenue or profit
Jury service cover for all staff
Employee Dishonesty cover (up to £50,000)
Legal expenses and accountancy fees cover for costs and award of legal disputes or tax investigations
All risks for equipment away from the premises, so if you need to visit a patient away from the business, you’re covered
Lamps, signs and nameplates
Optional cover for Loss Adjuster service to give onsite support in the event of a large loss
A 24 hour, 365 days-a-year claims line
Legal advice line
A low £100 excess on the majority of claims
Access to AragLegal, a website providing legal information, fact sheets, and documents delivering up to date employment law, health and safety, and business law resources
Medical and drug stock included within sums insured

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