Medical Practice Insurance
Why do you need specialist practice insurance for a doctors surgery or dental practice?
Surgeries and alike do not typically fit into standard insurer offerings. It is important to understand the additional risks that general practices’ face. This can be from drugs & vaccines to ensuring that your staff members are covered whilst working elsewhere within the PCN. Equally ensuring that borrowed members of staff are covered. Practices across the country are becoming more collaborative than ever to provide the best patient care, so we want to ensure you the best cover in place to allow this to happen as smoothly as possible.
High numbers of patients visiting the practice every day increases the risk of accidental physical injury leading to Public Liability claims. Not only will we cover you for these risks as standard, but we can also help you manage these risks with free Health & Safety and risk assessment advice through our partnership with Stallard Kane.
Why do I need to cover sickness & absence when we have NHS reimbursement support?
Sickness and absence within the workplace can be very costly to general practice. Locum GP’s can cost the practice £2,500 per week, whilst the NHS will only cover £1,751.52 (2020) of these costs, with rates reportedly rising. We can offer a range of policies, which take the reimbursement offering into consideration, top up the amounts to what is required to ensure there is no significant shortfall, provide cover for non-sickness related absences that the NHS cover does not, and ensure expenditure on temporary replacement staff or overtime for backfilling these roles can be covered.
Why do I need cyber insurance when we outsource our IT?
It’s a common misconception that if IT services our outsourced, cyber cover isn’t necessary. According to CFC, 75% of claims are due to human error as opposed to the typical computer hacking. It’s easy to fall foul of phishing attacks as they become more sophisticated. With the healthcare sector being identified as a hotspot for these types of crimes, it’s more important than ever to be protected. See the CFC Cyber Risk Heatmap for more information.
Who is this cover for:
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Meet the medical practice team
Jamie Brock
Client Partner
