Doctors surgery insurance
We make arranging your GP surgery insurance simple and hassle free
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Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
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Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Insurance covers to consider
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability insurance
Public liability insurance is a type of insurance coverage that can protect your doctors practice against claims of injury or property damage. It is designed to provide financial protection for the medical practice in the event that a patient, visitor, or member of the public is injured or suffers property damage while on the premises of the practice, or as a result of the practice’s activities.
For example, if a patient were to slip and fall in the waiting room of a doctor’s practice and sustain injuries, the practice could be held liable for the medical costs associated with the patient’s injuries. Public liability insurance would help to cover these costs and protect the practice from financial losses. Public liability insurance can also cover legal fees associated with defending against a claim, as well as compensation payments that may be required if the practice is found to be liable for damages.
Employers' liability insurance
Employers’ liability cover is another type of insurance coverage that is important for doctors practices to consider. This type of insurance provides protection in the event that an employee of the practice becomes ill or injured as a result of their work.
Employers have a legal responsibility to ensure that their workplace is safe for their employees and that they are protected from harm while on the job. Doctors practices are no exception, and as such, they need to have the necessary insurance coverage to protect them in the event of employee claims. Employers’ liability insurance is a legal requirement for businesses in the UK.
Property covers
Property insurance, such as buildings and contents insurance, is an important type of cover for doctors practices to consider. This type of insurance protects against damage or loss to the physical property of the practice, including the buildings and the contents within them.
Buildings insurance provides coverage for the structure of the practice building itself, including any fixtures and fittings, against a range of risks such as fire, flood, theft, and damage caused by extreme weather events. This type of insurance covers the cost of repairing or rebuilding the practice building in the event that it is damaged or destroyed.
Contents insurance provides coverage for the equipment, furniture, and other items within the practice building, including medical equipment and supplies. This type of insurance covers the cost of repairing or replacing these items if they are damaged or destroyed as a result of a covered event, such as a fire or flood.
Business interruption
Business interruption insurance should play a key role in your doctors’ surgery insurance. Business interruption insurance can help to cover the cost of lost income and operating expenses during the period when the practice is unable to operate, allowing the practice to continue to pay its bills and meet its financial obligations. This type of insurance can also cover the cost of temporary relocation expenses if the practice needs to temporarily relocate while repairs are being made to the practice building.
For example, if a fire were to occur at a doctor’s practice and the building was damaged, the practice may be unable to see patients for an extended period of time while repairs are being made. Business interruption insurance would provide coverage for the income the practice would have earned during this period, as well as the ongoing expenses associated with running the practice, such as rent and staff salaries.
Commercial legal protection
Commercial legal protection provides coverage for legal fees associated with defending against legal claims or pursuing legal action related to the doctors practice.
For example, commercial legal expenses could provide cover for tax and VAT disputes, employment disputes and compensation awards, as well as an allowance for jury service should you, your business partners or employees be summoned.
Cyber & data insurance
Cyber and data insurance provides protection against the financial and reputational risks associated with data breaches and other cyber incidents.
Doctors practices typically store and handle a significant amount of sensitive patient data, including medical records, financial information, and personal identification details. If this data is compromised due to a cyber-attack or data breach, the practice could be liable for significant damages and may also face regulatory fines and penalties.
Cyber and data insurance provides coverage for a range of expenses associated with a cyber incident, including the cost of investigating the breach, notifying affected individuals, and providing credit monitoring and identity theft protection services. This type of insurance can also cover the cost of legal fees and damages associated with a lawsuit that may result from a breach or cyber attack.
Medical malpractice insurance
Medical malpractice insurance provides coverage for claims of negligence or malpractice that may arise from the medical services provided by the practice or its employees.
Medical malpractice claims can be costly and time-consuming and can have a significant impact on the financial stability and reputation of a doctors practice. Without adequate insurance coverage, the practice could be liable for significant damages and legal fees, which could result in financial ruin.
Medical malpractice insurance provides protection for doctors practices against the financial risks associated with such claims. It can cover the cost of legal fees, settlements, and judgments that may arise as a result of a claim, as well as the cost of expert witnesses and other expenses associated with defending against a claim.
In addition to providing financial protection, medical malpractice insurance can also help to protect the reputation of the practice. By demonstrating that the practice takes its professional responsibilities seriously and is committed to providing quality care, medical malpractice insurance can help to build trust and confidence among patients.
It is important for doctors practices to ensure that they have adequate insurance coverage in place to protect against the potential risks associated with their profession. If you’d like advice on any of these covers simply give us a call.
Directors & officers cover
Directors and officers (D&O) insurance provides protection for the personal assets of the directors and officers of the practice in the event of legal proceedings for alleged wrongful acts committed in their capacity as directors or officers of the practice.
D&O insurance can provide coverage for a range of expenses such as legal fees, settlements, and judgments. This type of insurance can also provide cover for regulatory fines and penalties that may result from legal action.
Doctors practices are often run by a board of directors or officers who are responsible for making important decisions about the practice’s operations and finances. If these individuals are sued for alleged wrongful acts, they may be personally liable for damages and legal fees, which could have a significant impact on their personal finances.
D&O insurance provides protection for the personal assets of the directors and officers of the practice, ensuring that they are not personally liable for damages and legal fees associated with a lawsuit.
Tools & engineering insurance
Your practice, specialist equipment and contents must also be taken into account when arranging your insurance, as they are essential in running your business.
Tools and engineering insurance, also known as equipment breakdown insurance, provides coverage for the cost of repairing or replacing equipment that breaks down due to a mechanical or electrical failure, as well as other types of losses, such as damage from power surges or boiler explosions.
While some doctors practices may use specialised equipment that could benefit from tools and engineering insurance, such as imaging equipment or laboratory machines, other practices may not require this type of cover. It’s important for doctors practices to evaluate their equipment. At Premierline, our advisors can help you determine the potential risks with equipment breakdowns and identify the appropriate types and levels of insurance cover to meet the practice’s needs.
Doctors surgery insurance FAQs
Do I need doctors surgery insurance?
If you are a doctor or operate a medical practice, it’s important to consider the potential risks and liabilities associated with providing medical care and to evaluate the need for insurance coverage to protect against those risks.
Without the right doctors insurance cover, your medical practice or GP surgery could be exposed to significant financial risks and liabilities that could threaten the future of your business. By investing in doctors insurance, you can have peace of mind knowing that you are protected against a range of potential risks and liabilities.
The specific insurance needs of a doctors practice will vary depending on its size, location, and other factors. At Premierline, we help doctors assess their risks and determine the appropriate insurance cover required to protect the doctors practice.
What covers do doctors surgeries need?
Doctors practices typically require a range of different types of covers to protect against potential risks and liabilities. The specific insurance covers needed can vary depending on the nature of the practice, the types of services provided, and the particular risks and exposures faced by the practice. Here are some of the most common types of insurance coverage needed by doctors practices:
- Public liability – provides protection against claims made by members of the public who may be injured or suffer property damage.
- Employers’ liability – to protect against claims made by employees who may be injured or suffer illness as a result of their work.
- Medical Malpractice – provides protection against claims of professional negligence by patients in your care.
- Buildings cover – to cover for loss or damage to your premises.
- Equipment, contents and stock – to reinstate your items and belongings.
- Business interruption – to keep finances running when disaster strikes.
- Business legal expenses – to cover the cost of legal expenses or defending your business against legal action.
- Cyber liability – to protect against data breaches, cyber-attacks, and other online risks.
- Directors and officers – can provide coverage for claims of mismanagement, breach of fiduciary duty and discrimination.
The specific insurance needs of a doctors practice will vary depending on its size, location, and other factors. At Premierline our insurance advisors can help doctors assess their risks and determine the appropriate insurance covers for their needs.
How much does doctors surgery insurance cost?
The cost of doctors surgery insurance can depend on a number of things, including the scale of your practice, the level of cover you require, and the other risks associated with the medical industry.
It’s important to speak with an insurance advisor to get an accurate estimate of the cost of insurance for your doctors practice. At Premierline, we can help you understand the different factors that may affect the cost of insurance and provide you with a customised insurance policy that meets your unique needs and budget.
Why choose Premierline to arrange doctors surgery insurance?
At Premierline, we have a team of insurance experts who are highly experienced in arranging insurance policies for care businesses such as doctors practices. We work with a range of leading insurance providers to offer a wide range of cover options for your business and can help you save time and effort by comparing insurance policies from multiple providers on your behalf.
By choosing Premierline as your business insurance broker, you can have peace of mind knowing that your doctors practice is protected with the right level of insurance cover.
What type of doctors surgeries do Premierline work with?
At Premierline, we arrange business insurance for various businesses within the medical industry. There are many different types of doctors and medical practices, each with its own unique set of needs and insurance requirements. Here are a few examples of different types of medical practices we have worked with:
- General practitioners – providing primary care services to patients, such as routine check-ups, vaccinations, and treatment for common illnesses and injuries.
- Specialists – with training and expertise in a specific area of medicine, such as cardiology, neurology, or oncology.
- Surgeons – who perform surgical procedures to treat a variety of medical conditions.
- Dentists – specialising in the diagnosis, treatment, and prevention of dental and oral health issues.Mental health professionals – doctors and therapists who specialise in the treatment of mental health conditions, such as depression, anxiety, and addiction.
Each type of medical practice has unique insurance needs and requirements, based on the nature of the services they provide, the risks associated with those services, and the regulatory requirements in their particular area of medicine.
What will I need to know to complete my insurance quotation?
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
How soon will I get my policy documents?
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
How do I pay for my policy?
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
Why choose Premierline?
We're business insurance experts
We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
Our customer reviews and testimonials
“Good range of cover at a great price. I was impressed with how they put together a bespoke insurance package for my business. It beat the usual competition in scope and price, ensuring one can sleep at night. I havent had the need to claim but hope if ever I do, in such an event their services would be likewise efficient and thorough.”
Dental Surgery
Customer since October 2024
Our independent customer reviews
Speak to a doctors surgery insurance expert
Whatever your insurance needs, we make arranging your doctors insurance simple and hassle-free. Our business insurance specialists are on hand over the phone to discuss your requirements, offer advice and talk you through your insurance options.
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
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