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Medical professionals need insurance to help protect themselves against the wide-ranging risks inherent in their jobs, such as malpractice, negligence and other claims that arise from liabilities or a breach of professional duty.
Medical professionals shoulder a huge amount of responsibility on a daily basis. Because your job as a medical professional can involve many risks, you should make sure you have robust cover to protect yourself, your business and any employees.
Anyone who works in the medical profession needs to seriously consider medical professionals insurance. This includes doctors, nurses or midwives, or more specialised positions such as occupational therapists, physiotherapists and paediatricians. For some, certain covers like medical indemnity may be a regulatory requirement, so make sure you know the specific requirements for your profession.
A typical medical malpractice policy will cover you on a claims-made basis in the event of malpractice, breach of duty or dishonesty of your partners, directors or employees in the course of business operations. It can also provide compensation for claims and legal services, and insure against actions or omissions of your employees.
Whether the NHS or another health care organisation insures your professional conduct, the British Medical Association still recommends supplementary insurance to compensate for porous cover.
A comprehensive Medical Malpractice Insurance policy inspires the confidence to do your job without being plagued by the stress that accompanies allegations of negligence.
Also known as medical indemnity, Medical Malpractice Insurance provides cover against claims for professional negligence, acts or omissions in the course of your professional healthcare duties.
Typical claims can include misdiagnosis, injury, or mental or physical harm to a patient.
If you work as a healthcare professional then it’s likely specialist medical malpractice insurance is right for you. Cover can be provided for a wide-range of professionals – even those who do not work in physical medicines such as occupational therapists The list of people that may benefit from medical malpractice insurance includes:
If you’re unsure if you need medical malpractice insurance, talk to our broker team today for expert advice.
Understandably premiums can vary hugely with Medical Malpractice Insurance. Everyone from midwives to neurosurgeons can benefit from this type of cover. The cost of cover will depend upon your specific occupation, experience, claims history and a variety of other factors.
Providers we work with provide cover for a range of scenarios. Talk to us to discuss your specific circumstances and we can then advise you on the options available to you.
We offer bespoke medical malpractice and public liability insurance to members of The British Society of Echocardiography.
This cover is provided exclusively by FOCUS to members of the BSE, with whom we have a long standing relationship with and look after the insurance needs of a large number of their members.
Despite the insurance your current employer may provide, the British Medical Association still continues to recommend having your own policy to protect you in the event of a claim. If you’re provided with cover by the NHS clinical negligence scheme it’s important to understand what the levels of cover are.
Cover can be limited in terms of the nature of claims and also the date of the original treatment. The medical industry as a whole has a long lookback window, meaning that claims can span numerous years following your original consultation.
We assess the level of cover you need and recommend an insurance solution that suits your unique needs and fills any gaps in the cover provided by your employer.
Some of the most common causes of a claim against a medical malpractice policy include:
Our insurance experts can cater to your needs and levels of cover can be inclusive of additional features such as computer equipment or property damage.
As your business grows and develops, your insurance needs will undoubtedly change. FOCUS will work with you to ensure that the exposure and risks faced by your business will be protected, leaving you with complete peace of mind.
If there is anything we can help you with, in regards to Medical Malpratice Insurance, please do not hesitate to contact us.