Medical malpractice
Claims alleging negligence arising from clinical and medico-legal practice, including Good Samaritan acts and defamation.
Medical insurance
Surgeons medical malpractice
SURGEONS
Specialist protection for the clinical, legal, cyber and reputational exposures surrounding private surgical practice.
Specialist medical cover Subject to underwriting
Surgical practiceS–01
Protection in depth
Cover built around the realities of your work.
Claims and defence costs can create a significant financial burden even where an allegation is successfully defended. This cover brings the principal exposures together.
Cyber and privacy
Response to cyber threats, extortion, business interruption and the cost of notifying patients or employees after a data breach.
Public liability
Compensation and legal expenses following third-party property damage or bodily injury outside medical care.
Legal expenses
Professional hearings, NHS or GMC matters, coroner inquests, selected prosecutions, employment disputes and HMRC enquiries.
Court attendance
A daily allowance for attending court in relation to an insured claim or loss.
Reputation protection
Specialist public relations support to counter damaging publicity following a covered event.
Employers’ liability
An available extension for employee injury or occupational illness arising from their work.
Bespoke underwriting
Terms can be tailored to reflect the surgeon’s specialism, activities and wider practice.
Risk appetite
Surgical specialisms considered on their individual merits.
Core appetite
Cardiology, cardiothoracic, dermatology, ENT, gastroenterology, general surgery, gynaecology, maxillofacial, oncology, ophthalmology, orthopaedics, plastics, psychiatry, rheumatology, vascular and urology.
Considered
Endocrinology, haematology, immunology, neurology and paediatrics may be considered following underwriting review.
Ordinarily declined
Anaesthetics, bariatrics, neurosurgery, obstetrics, radiology and spinal surgery are ordinarily outside the stated appetite.
Brochure summary
Available limits and benefits
Medical malpractice / public liabilityUp to £10m aggregate
Brand and reputationUp to £100,000 each claim
Court attendanceUp to £1,000 per day / £100,000 aggregate
Cyber and privacyUp to £1m
Employers’ liabilityUp to £10m
Legal expensesUp to £250,000 each claim / £1m aggregate
Minimum deductibleNil
Minimum premiumNo minimum
24/7 medico-legal helpline
Cyber response mobile app
Online CPD and consent tools
25-year extended reporting period
Application
Tell us about your work and the protection you need.
Your answers help the insurer assess the risk and shape the terms available.