Professional Indemnity & Liability Insurance
Professional indemnity and liability insurance options for healthcare professionals, their businesses and employees, covering professional, practice and corporate liabilities.
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Protecting You and Your Business
Healthcare professionals and organisations face a range of potential liabilities, and defending a legal action can result in significant costs. Without appropriate professional indemnity or medical malpractice insurance, you could be exposed to claims involving: 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:
- Misdiagnosis
- Neglect
- Bodily injury
- Mental injury
- Breach of duty of care
- Errors or omissions
- Good Samaritan acts
Professional Indemnity & Medical Malpractice Insurance
MIAB offers professional indemnity and medical malpractice cover for GPs, dentists, opticians, vets and pharmacists, including partners, salaried partners, locums and employees. Cover is also available for nurses, technicians, therapists, paramedics, emergency care practitioners and first aiders. Professional indemnity and medical malpractice insurance covers the cost of compensating clients and service users who suffer loss or damage as a result of negligent professional services or advice, subject to the applicable policy terms. Healthcare professionals are not limited to Medical Defence Organisations (MDOs) when arranging professional indemnity and medical malpractice protection. Insurance-backed policies provide an alternative worth considering alongside existing arrangements. MIAB can provide quotations to help you compare available insurance options with your current provider or Medical Defence Organisation. The policy covers the cost of compensating clients and service users for loss or damage resulting from negligent services or advice provided. Medical professionals are not restricted to using the Medical Defence Organisations for their Professional Indemnity and Medical Malpractice cover. Contact us now for a quote and compare us to the MDOs and your current provider: GPs, Dentists, Opticians, Vets, Pharmacists and Pharmacists in General Practice
Pharmacists in General Practice
MIAB also offers a professional indemnity policy specifically designed for pharmacist prescribers working in general practice. This policy is intended to provide appropriate levels of protection for the duties and activities undertaken by pharmacists in general practice.
Other Professional and Business Liability Insurance
Alongside Professional Indemnity and Medical Malpractice Insurance, MIAB offers additional liability insurance products designed to address risks faced by healthcare professionals and organisations. 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. 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.
Management Liability Insurance
Management Liability Insurance is designed to help protect healthcare practices against risks connected with managing and operating their organisations. These can include NHS clawbacks, CQC inspections and associated issues, employment disputes, partnership disputes, official investigations involving organisations such as NHS England and the Health and Safety Executive, and shareholder disputes within provider companies. Management Liability Insurance should not be confused with Legal Expenses Insurance, which is often offered as an addition to commercial insurance policies. 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.
Employment Practices Liability Insurance
Employment disputes can result in substantial legal costs, particularly when claims are taken to an employment tribunal. Employment Practices Liability Insurance provides protection against claims made by existing and former employees. The policy provides access to specialist legal assistance when investigations or claims arise. It can cover legal defence costs, awards and settlements, and the costs of representation during official employment investigations, subject to policy terms. 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. 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.
Choosing the Right Professional Indemnity & Liability Insurance
Selecting appropriate indemnity insurance involves more than comparing premiums. MIAB's advisers can discuss the factors that may affect your choice of policy, including:
- Insurance-backed cover compared with discretionary Medical Defence Organisation arrangements
- Claims-made versus claims-occurring cover
- Run-off cover
- Retroactive cover
- How different policies compare with your current arrangements
Finding It Difficult to Obtain Cover?
If you have experienced difficulties obtaining professional indemnity insurance or have previously been refused cover, MIAB provides further information and assistance for healthcare professionals in this position. Contact our team to discuss your circumstances and the options available.
Why choose MIAB?
Sector specialists
Advisers who understand healthcare practices, not generic commercial brokers.
Named support
You deal with people who know your practice — not an anonymous call centre.
Plain English advice
We explain options clearly so you can make confident decisions.
A Benefact Group Company
We give all our available profits to good causes, helping support charities and communities.
Common questions
Can you help if my MDO has refused cover?
In many cases yes. Contact us to discuss your circumstances confidentially — we regularly help clinicians and practices explore alternative indemnity markets.
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