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Professional Indemnity & Liability Insurance

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

Protecting you and your business Get a quote

You’ve worked hard to get to where you are and, in an age of easy-access litigation (or threat of litigation), you want to take steps to avoid the immense costs involved in defending a legal action. Without professional malpractice insurance, you run the risk of being exposed to many liabilities, such as:

  • Misdiagnosis
  • Neglect
  • Bodily Injury
  • Mental Injury
  • Duty of Care
  • Error or Omission
  • Good Samaritan Acts

With Professional Indemnity costs soaring, getting value for money is crucial. We offer a range of personal and commercial indemnity and liability insurance products to cover the costs of various actions:

Professional Indemnity & Malpractice

We offer professional liability cover for Pharmacists (all partners, salaried partners, locums and employees), nurses, technicians, therapists, paramedics, emergency care practitioners and first aiders.

The policy covers the cost of compensating clients and service users for loss or damage resulting from negligent services or advice provided.

Contact us now for a quote and compare us to your current provider:

GPs, Dentists, Opticians, Vets, Pharmacists and Pharmacists in General Practice:

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Nurses, technicians, therapists and similar can get bespoke cover straightaway through our Quote and Buy tool:

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Paramedics, emergency care practitioners, first aiders and similar can get bespoke cover straightaway through our Quote and Buy tool:

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Pharmacists in General Practice

Our new Pharmacists in General Practice Professional Indemnity policy is a new, fit-for-purpose insurance policy aimed specifically at pharmacists prescribers. It provides appropriate levels of cover for all the duties and activities to be undertaken as outlined within the recent communications on “Role of Pharmacists in General Practice”. Visit the Pharmacists in General Practice page for more details.

Management Liability

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, NHSE and HSE) and shareholder disputes within provider companies.

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.

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. The Employment Practices Liability policy ensures your business and you are covered against claims made by existing and former employees.

This policy 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.

Directors and Officers (D&O) Insurance

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 Insurance 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).

Are you finding it difficult to obtain cover? Visit our new webpage for those who are refused.

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Our expert advisers will help you choose the most suitable policy

We will discuss with you the factors you need to consider, such as how we compare to MDOs, Insurance-backed cover vs MDO Discretionary cover, Claims-made vs Claims-occuring cover, run-off cover, retroactive cover, and more:

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Get instant quotes via our Quote and Buy tool:

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Key features include
  • Available to any UK registered business excluding those in the legal sector, education sector, professional football or rugby clubs or financial services sector
  • No limitation on the number of claims that can be made in any one period of insurance
  • Cover for employment, regulatory, pensions, cyber, contractual, pollution and employee dishonesty claims as standard
  • New covers include contract dispute and debt recovery pursuit, negative social media public relation costs and circumstance investigation costs
  • Cover automatically responds to most changes in your business such as the purchase of another company
  • Ability to elect to defend claims rather than settle where good prospect of success
  • Included is access to expert legal, regulatory and risk management advice and support
  • Pro-active advice to help you avoid getting into trouble in the first place
  • Unlimited access to thousands of documents and draft templates
  • Advice provided over the phone, by e-mail or face to face

Testimonials

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
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