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.
Key Features
Broad, Enhanced Coverage
- Protection far beyond standard clinical negligence.
- Wide-reaching definition of “claim,” covering activities undertaken by employees, contractors, and subcontractors.
- Full wrap-around cover that exceeds minimum regulatory standards (CQC, NHS) and complements other indemnity arrangements such as government schemes administered by NHS Resolution or practitioner indemnity arrangements.
Flexible Notification Requirements
- Notification obligations aligned with officer-level awareness.
- Built-in safeguards for innocent late notification where we were the insurer at the time the issue should have been reported.
Defence Cost Advantages
- No excess applied to defence costs in most cases.
- Early engagement with panel solicitors—without additional administrative or financial burden on the insured.
Protection for Modern Healthcare Practices
- Coverage accounts for the use of AI in clinical settings.
- Cyber exposures related to negligence or bodily injury are covered, with the expectation that a traditional cyber policy is held for non-clinical risks.
Comprehensive Liability Protection
- Cover for sexual harassment and abuse, with vicarious liability typically insured up to the full policy limit.
- Specific protections included for breaches of human rights and equality legislation.
- Coverage extends to regulatory investigations, disciplinary matters, and coroners' inquests.
Staff Coverage
- Most staff are automatically protected without needing separate individual indemnity.
- Indemnity requirements for Registered Practitioners are often waived to maintain complete organisational coverage.
Additional Built-In Benefits
- Mitigation and adverse publicity costs included as standard.
- Automatic 3 year-run-off quotations provided (excluding cases of financial failure).
- Patient recall costs included where concerns relate to the quality of work carried out by a healthcare practitioner.
Broad, Enhanced Coverage
- Protection far beyond standard clinical negligence.
- Wide-reaching definition of “claim,” covering activities undertaken by employees, contractors, and subcontractors.
- Full wrap-around cover that exceeds minimum regulatory standards (CQC, NHS) and complements other indemnity arrangements such as government schemes administered by NHS Resolution or practitioner indemnity arrangements.
Flexible Notification Requirements
- Notification obligations aligned with officer-level awareness.
- Built-in safeguards for innocent late notification where we were the insurer at the time the issue should have been reported.
Defence Cost Advantages
- No excess applied to defence costs in most cases.
- Early engagement with panel solicitors—without additional administrative or financial burden on the insured.
Protection for Modern Healthcare Practices
- Coverage accounts for the use of AI in clinical settings.
- Cyber exposures related to negligence or bodily injury are covered, with the expectation that a traditional cyber policy is held for non-clinical risks.
- Protection far beyond standard clinical negligence.
- Wide-reaching definition of “claim,” covering activities undertaken by employees, contractors, and subcontractors.
- Full wrap-around cover that exceeds minimum regulatory standards (CQC, NHS) and complements other indemnity arrangements such as government schemes administered by NHS Resolution or practitioner indemnity arrangements.
- Notification obligations aligned with officer-level awareness.
- Built-in safeguards for innocent late notification where we were the insurer at the time the issue should have been reported.
- No excess applied to defence costs in most cases.
- Early engagement with panel solicitors—without additional administrative or financial burden on the insured.
- Coverage accounts for the use of AI in clinical settings.
- Cyber exposures related to negligence or bodily injury are covered, with the expectation that a traditional cyber policy is held for non-clinical risks.
Broad, Enhanced Coverage
Flexible Notification Requirements
Defence Cost Advantages
Protection for Modern Healthcare Practices
- Protection far beyond standard clinical negligence.
- Wide-reaching definition of “claim,” covering activities undertaken by employees, contractors, and subcontractors.
- Full wrap-around cover that exceeds minimum regulatory standards (CQC, NHS) and complements other indemnity arrangements such as government schemes administered by NHS Resolution or practitioner indemnity arrangements.
- Notification obligations aligned with officer-level awareness.
- Built-in safeguards for innocent late notification where we were the insurer at the time the issue should have been reported.
- No excess applied to defence costs in most cases.
- Early engagement with panel solicitors—without additional administrative or financial burden on the insured.
- Coverage accounts for the use of AI in clinical settings.
- Cyber exposures related to negligence or bodily injury are covered, with the expectation that a traditional cyber policy is held for non-clinical risks.
Comprehensive Liability Protection
- Cover for sexual harassment and abuse, with vicarious liability typically insured up to the full policy limit.
- Specific protections included for breaches of human rights and equality legislation.
- Coverage extends to regulatory investigations, disciplinary matters, and coroners' inquests.
Staff Coverage
- Most staff are automatically protected without needing separate individual indemnity.
- Indemnity requirements for Registered Practitioners are often waived to maintain complete organisational coverage.
Additional Built-In Benefits
- Cover for sexual harassment and abuse, with vicarious liability typically insured up to the full policy limit.
- Specific protections included for breaches of human rights and equality legislation.
- Coverage extends to regulatory investigations, disciplinary matters, and coroners' inquests.
- Most staff are automatically protected without needing separate individual indemnity.
- Indemnity requirements for Registered Practitioners are often waived to maintain complete organisational coverage.
- Mitigation and adverse publicity costs included as standard.
- Automatic 3 year-run-off quotations provided (excluding cases of financial failure).
- Patient recall costs included where concerns relate to the quality of work carried out by a healthcare practitioner.
Comprehensive Liability Protection
Staff Coverage
Additional Built-In Benefits
- Cover for sexual harassment and abuse, with vicarious liability typically insured up to the full policy limit.
- Specific protections included for breaches of human rights and equality legislation.
- Coverage extends to regulatory investigations, disciplinary matters, and coroners' inquests.
- Most staff are automatically protected without needing separate individual indemnity.
- Indemnity requirements for Registered Practitioners are often waived to maintain complete organisational coverage.
- Mitigation and adverse publicity costs included as standard.
- Automatic 3 year-run-off quotations provided (excluding cases of financial failure).
- Patient recall costs included where concerns relate to the quality of work carried out by a healthcare practitioner.
