Doctors Surgery Insurance

Public liability insurance is a type of insurance coverage that can protect your doctors practice against claims of injury or property damage. It is designed to provide financial protection for the medical practice in the event that a patient, visitor, or member of the public is injured or suffers property damage while on the premises of the practice, or as a result of the practice's activities.

For example, if a patient were to slip and fall in the waiting room of a doctor's practice and sustain injuries, the practice could be held liable for the medical costs associated with the patient's injuries. Public liability insurance would help to cover these costs and protect the practice from financial losses. Public liability insurance can also cover legal fees associated with defending against a claim, as well as compensation payments that may be required if the practice is found to be liable for damages.

Property insurance, such as buildings and contents insurance, is an important type of cover for doctors practices to consider. This type of insurance protects against damage or loss to the physical property of the practice, including the buildings and the contents within them.

Buildings insurance provides coverage for the structure of the practice building itself, including any fixtures and fittings, against a range of risks such as fire, flood, theft, and damage caused by extreme weather events. This type of insurance covers the cost of repairing or rebuilding the practice building in the event that it is damaged or destroyed.

Contents insurance provides coverage for the equipment, furniture, and other items within the practice building, including medical equipment and supplies. This type of insurance covers the cost of repairing or replacing these items if they are damaged or destroyed as a result of a covered event, such as a fire or flood.

Commercial legal protection provides coverage for legal fees associated with defending against legal claims or pursuing legal action related to the doctors practice.

For example, commercial legal expenses could provide cover for tax and VAT disputes, employment disputes and compensation awards, as well as an allowance for jury service should you, your business partners or employees be summoned.

Medical malpractice insurance provides coverage for claims of negligence or malpractice that may arise from the medical services provided by the practice or its employees.

Medical malpractice claims can be costly and time-consuming and can have a significant impact on the financial stability and reputation of a doctors practice. Without adequate insurance coverage, the practice could be liable for significant damages and legal fees, which could result in financial ruin.

Medical malpractice insurance provides protection for doctors practices against the financial risks associated with such claims. It can cover the cost of legal fees, settlements, and judgments that may arise as a result of a claim, as well as the cost of expert witnesses and other expenses associated with defending against a claim.

In addition to providing financial protection, medical malpractice insurance can also help to protect the reputation of the practice. By demonstrating that the practice takes its professional responsibilities seriously and is committed to providing quality care, medical malpractice insurance can help to build trust and confidence among patients.

It is important for doctors practices to ensure that they have adequate insurance coverage in place to protect against the potential risks associated with their profession. If you'd like advice on any of these covers simply give us a call.

Your practice, specialist equipment and contents must also be taken into account when arranging your insurance, as they are essential in running your business.

Tools and engineering insurance, also known as equipment breakdown insurance, provides coverage for the cost of repairing or replacing equipment that breaks down due to a mechanical or electrical failure, as well as other types of losses, such as damage from power surges or boiler explosions.

While some doctors practices may use specialised equipment that could benefit from tools and engineering insurance, such as imaging equipment or laboratory machines, other practices may not require this type of cover. It's important for doctors practices to evaluate their equipment. At Premierline, our advisors can help you determine the potential risks with equipment breakdowns and identify the appropriate types and levels of insurance cover to meet the practice's needs.