Medical Professionals who provide a medical service or advice are open to litigation from their clients.
Medical Professionals have a responsibility to act as experts for their clients. If adequate skill or care is not applied and the client suffers damage or injury, the client may sue.
Your insurance policy can include a claim for bodily injury of any patient caused by a breach of professional duty or negligent act.
Whatever medical discipline your business is involved in, we will provide a specific insurance package tailored to its needs. Unfortunately we are not able to cater for individual malpractice cover.
We give you access to a broad network of insurers and provide our knowledge and advice to secure quality cover at the right price to protect your business
Med Mal cover, unlike Liability policies, is underwritten on a “claims made” basis.
Briefly, this means that your current insurance company may be liable for historic incidents which have only come to light recently – even if they were not the Insurer at the time of the incident.
Because of this it is important that you consider carefully the proposal form or declaration you complete prior to arranging Malpractice insurance as Insurers indemnify you, or could potentially decline a claim, based on the information they receive.
Cover can include:
As mentioned earlier, Medical Malpractice is written on a “claims made” basis. Because of this a specific issue may arise when you ceases to trade or retire. You might assume that when you cease to trade you no longer require cover as liability is not an issue. However, with Med Mal, insurance cover stops once the policy stops so it is important that “run off” cover is in place for a number of years to avoid leaving you exposed to a possible claim and no cover. The premium should reduce in line with the reduced risk.