Healthcare providers
Clinics and hospitals carry a combination almost no other sector does: expensive equipment, continuous operation, and professional liability arising from clinical decisions.
The risks we see
What actually goes wrong in this sector.
Clinical liability
Claims arising from treatment are professional indemnity exposure, and they can emerge years after the event.
Equipment dependence
Diagnostic and theatre equipment is expensive, and its failure stops services immediately.
Continuous operation
A facility that cannot close has no tolerance for power, water or equipment failure.
Duty to patients and visitors
Public liability exposure is elevated by the volume and vulnerability of the people on site.
Cover that responds
What we would look at placing.
A starting point, not a recommendation. What you actually need depends on how you operate, and that is a conversation.
Professional Indemnity Insurance
Clinical negligence and treatment-related claims.
Engineering Insurance
Medical equipment breakdown.
Fire & Special Perils Insurance
Premises, equipment and consumables.
Public Liability Insurance
Patients and visitors on the premises.
Group Life Insurance
Clinical and support staff.
Gaps we find when we review existing policies
If you already have cover, start here.
These are the things we most often find missing when we read a policy in this sector. Any one of them is worth checking today, whether or not you ever speak to us.
- Professional indemnity limits set well below realistic claim values
- Claims-made policies lapsing without run-off cover, leaving historic treatment unprotected
- Equipment insured at book value rather than replacement cost
- No cover for loss of refrigerated stock — vaccines, blood products, reagents