Surgery insurance
Comprehensive surgery insurance solutions are designed to protect your business
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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 shield your practice from claims made by third parties for injury or damage resulting from your business activities. It is designed to provide financial protection for the surgery 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 a surgical practice’s activities.
For example, if a patient were to slip and fall in the waiting room of the surgery 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 surgery 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 surgeries 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. Surgery 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 many businesses with employees in the UK.
Property covers
Property insurance, such as buildings and contents insurance, is an important type of cover for surgical 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 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 your surgical 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 holistic therapy 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.
Surgeries 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 is designed specifically for health and care practitioners who give medical treatment, guidance and advice to their patients.
Surgical procedures, like any medical procedures, involve inherent risks, and there is always the possibility that something can go wrong. Patients can suffer injuries or complications during or after a dental procedure, and they may seek compensation for their losses, medical expenses, or emotional distress.
If a patient claims they’ve suffered an injury, illness or unexpected outcome as a result of treatment or advice they received from you, medical malpractice could cover the costs of compensation you may have to pay. This cover is not typically included in a surgery insurance policy as standard. As a specialist insurance cover, our advisors can also provide recommendations for medical malpractice insurance over the phone.
Directors & officers cover
Directors and Officers (D&O) insurance is a type of insurance that provides coverage for pharmacy directors, officers, and other high-ranking employees against claims of wrongful acts, errors, or omissions that they may have committed in the course of their duties.
For surgeries, D&O Insurance can provide coverage for claims of mismanagement, breach of fiduciary duty, discrimination, harassment, or other wrongful acts that the directors and officers may have committed while running the practice.
Tools & engineering insurance
Your specialist surgical 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 surgery practices may use specialist equipment that could benefit from tools and engineering insurance, such as imaging equipment or laboratory machines, other practices may not require this type of coverage. It’s important for surgery 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.
Surgery insurance FAQs
Do I need surgery insurance?
If you operate a surgery or 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 surgery insurance cover, your surgical practice could be exposed to significant financial risks and liabilities that could threaten the future of your business. By investing in surgery 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 surgery will vary depending on its size, location, and other factors. At Premierline, we help surgery owners assess their risks and determine the appropriate insurance cover required to protect the medical practice.
What covers do surgeries need?
Surgery 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 for surgeries:
- 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 surgery 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 surgery insurance cost?
The cost of surgery insurance can depend on a number of things, including the scale of your business, the level of cover you require, and the other risks associated with the care and medical industry.
We understand that cost is an important factor when choosing insurance. At Premierline, we strive to provide competitive premiums without compromising on coverage. Our team will work closely with you to assess your surgeries specific needs and provide you with a tailored insurance solution that offers the right level of protection at a price that suits your budget.
Why choose Premierline to arrange surgery insurance?
At Premierline, we have a team of insurance experts who are highly experienced in arranging insurance policies for care businesses such as surgical 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.
We go beyond one-size-fits-all insurance solutions. Our approach is centred around you – your unique practice, your individual requirements, and your long-term goals. We take the time to listen and understand your specific needs, allowing us to create bespoke insurance packages that provide the right level of coverage. With Premierline, you can rest assured that your surgery practice is covered.
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 surgery insurance expert
It’s simple to get a no-obligation quote and start protecting your business today. Let our business insurance specialists arrange the cover you need to support your surgery. For advice call today or if you know the insurance cover you need and don’t require advice, simply compare surgery insurance quotes online.
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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