Key Features
We remain a market leader in this space. Although competitors may mirror elements of our offering, none match our depth of understanding, product structure, or the breadth of benefits provided.
Broad, Enhanced Coverage
- Cover far beyond standard clinical negligence, with a range of additional key protections against exposures fundamental to the healthcare sector.
- The policy protects the business against the acts of everyone working for them.
- Full wrap-around cover which complements other indemnity arrangements such as government schemes administered by NHS Resolution or practitioner indemnity arrangements.
Additional Related Protection
- Breaches of copyright, Data Protection Act 2018 (and GDPR), Equality Act 2010 and Human Rights Act 1998.
- Cover for abuse and sexual harassment, both for direct and indirect (vicarious) claims relating to such acts.
- Patient recall costs cover to help the business in managing concerns around their practitioners.
- Recognition of AI related bodily injury related Med Mal claims (and similarly if such a claim relates to a “cyber issue”).
- Adverse publicity mitigation costs cover.
Client Friendly Notification Requirements
- Notification obligations aligned with officer-level awareness.
- Built-in safeguards for innocent late notification where we were the underwriter at the time the issue should have been reported.
Defence Cost Advantages
- No excess applied to defence costs in most claims. Early engagement with panel solicitors—without additional administrative or financial burden on the insured.
- Regulatory, disciplinary investigations and hearings cover, assisting both employees and the business.
- Inquests covered with no excess as standard.
Staff Coverage
- Depth of coverage protects medical staff acknowledging that a wide array of practitioners will not have their own indemnity (unless a Registered Practitioner i.e a doctor, consultant, dentist or the like). Most staff are automatically protected without needing separate individual cover.
- Indemnity requirements for Registered Practitioners are often waived to maintain complete organisational coverage, and the general stipulation that Registered Practitioners have separate cover is based around “best endeavours” for the business rather than a strict requirement.