MIAB logo

Private Practice Insurance

Due to the ever-changing demands on social healthcare, more and more practices are extending their activities by diversifying into private healthcare. Similarly, many individuals are deciding to set up their own private healthcare businesses. This can be in the form of a private practice or a more specialist healthcare provider.

Having the correct insurance is essential as a private healthcare provider. There are many variables to consider when setting up a new business both from a regulatory and mandatory standpoint.

It is vital that all private practitioners have an adequate level of indemnity cover in place, as the NHS indemnity scheme (CNSGP) does not cover private work.

If you are in private practice then you need to consider the following:

  • Commercial combined protection– to cover buildings, contents plus public and employers’ liabilities. This cover protects you from claims arising that relate to the day-to-day running of your business, brought against you by either your employees or a third party. Employers’ liability is compulsory.
  • Professional Indemnity/ Medical Malpractice Insurance – cover to protect yourself as an individual and also your business (the entity) against accusations of negligence.
  • Cyber Insurance– cover to protect your data, digital assets and reputation.
  • Locum insurance; – designed to cover business overheads and expenses in the event that you, or other colleagues are absent from work longer term.
  • Management Liability- three covers in one. Protect you and your practice against issues such as CGC Inspections, NHS clawbacks, employment disputes or investigations. Cover includes:-

MIAB can provide all necessary policies in one place. Our understanding of this ever-changing market, combined with a holistic approach enables us to recommend the best cover for your specific situation, to ensure comprehensive protection with the most competitive premium we can find.


Get a quote | Book an Appointment Online

Key Features

    MIAB specialise in protection for (but is not limited to);-

  • GP
  • Dentists (Especially those having trouble finding cover due to their claims history)
  • Dentist Entity
  • Pharmacists and Pharmacies
  • Allied Healthcare Professionals
  • GP Federations/Primary Care Networks
  • Medical Education
  • Online Prescribing/Virtual Healthcare
  • Occupational Health & Wellbeing
  • Plus clinics that offer procedures such as:

  • Aesthetics and cosmetic surgery
  • Hair transplant clinics
  • Travel vaccinations
  • Weight management/weight loss
  • Mens health/fertility


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
As a dentist and having been with a regular dental defence provider for 30 years I have now considered a dental insurance indemnity provider. I came across MIAB (Medical Malpractice Team - advised by Montrose Bill and Tracey Deville ) by chance on google search. I have found the scheme offered to be entirely suitable…
- Perri Sansi , Associate Dentist,
We didn’t have locum insurance prior to this, however James’s advice and MIAB’s process made it a no brainer. Even in these difficult times it was very easy to contact James and get the advice I required. I would highly recommend MIAB to anyone who is looking to revisit locum insurance or has no insurance…
- Dimitri Bakanov, Practice Manager, Heathway Medical Centre
I contacted MIAB when looking for a quote for my Dental Indemnity. Tracey Deville has been outstanding in her customer service both in securing the most competitive quote, but more importantly researching and finding answers to the follow up queries I had. Nothing was too much trouble, with a cheery nature and great phone manner…
- Anthony, Dental Surgeon, Saving Faces
It has been a pleasure dealing with you regarding our practice locum insurance. Your speedy response and attention to detail was extremely helpful. I look forward to corresponding with you over the next twelve months.
- Paula Brady, Practice Manager, Nantwich Health Centre
This is now our 5th year running with MIAB and we continue to be more than happy with the service provided.  Our premiums remain competitive and the Customer Service and Claims teams are professional, efficient and helpful. The overall service we have received is excellent.
- Vivki Townley, Practice Manager, Howard Medical Practice
Due to a practice merger- property owners and contents insurance was due for renewal with only a day to spare. Stephen understood the complicated requirements and ensured the practice was covered with the correct insurance within the tight time frame.  Stephen was very helpful and knowledgeable- thank you for changing a stressful situation into an…
- Susie Graham, Assistant Practice Manager, Rosebank Health
The service we have received from MIAB has been outstanding. Nothing has been too much trouble and they are always on hand to answer questions and help whenever needed. Each member of the MIAB team that we have dealt with has been professional, knowledgeable and enthusiastic about providing excellent customer service. Every contact we have…
- Shannon Wiltshire, Practice Manager, Diamond Health Group
We have remained with MIAB for our GP Locum Insurance as we find their service to be professional, efficient and quick.  Their Advisors are extremely helpful and never pushy.  We would recommend MIAB to anyone considering a change of provider.  Premiums are also the best we have come across over many years.
- Denise Mellon, Practice Manager, The Surgery @ 9 Alloway Place
We have been with MIAB for several years for both Locum and Surgery and Contents Insurance.  We have never had any problems and the process for renewing/claiming has been very easy and straight forward.  We have always found the MIAB advisors friendly and approachable especially James who has dealt with our policies in a professional…
- Sharon Chamley, Practice Manager, Marus Bridge Practice
The service and support we have received from Stephen Hartshorne and MIAB enabled a smooth transition when moving to new larger surgery premises, and the challenge of a changeover to a new building. Throughout the process they remained in contact and always prompt in replying to emails. We would recommend them as providing a bespoke…
- Nick Cooper, Partner, Catherine House Surgery
When you are new pioneering business it is scary! When you meet the team at MIAB your concerns are smoothed away! I have never run my own business but have always been honest, rather than ruthless, in all I do. I wondered if being truthful and so pioneering the doors would close on my need…
- Fiona Perry, Owner, Flying Smiles