Surgeries and Medical Practitioners

A Package Policy for any type of surgery, whether you are a Therapist or Medical Practitioner

We’ve got you covered

Offering a tailored policy to suit the needs of those running a range of surgeries, including chiropractors, osteopaths, physiotherapists, dentists, doctors, GPs, psychiatrists and veterinary practices.


Policy Options

Backed by major global insurers

Package policy to suit your business

Claims assistance

Why does my business need it?

If you are an employer, you legally need to have employers’ liability cover in place for your surgery insurance.

A Surgery Package policy can protect you in the event of an employee injury at work and can cover compensation awarded as well as legal costs.


What does it cover?

There are a range of covers available, including, but not limited to:

  • Buildings
  • Contents: including Drugs & Vaccines
  • Items away from the premises
  • Specialist Computer Cover
  • Mechanical & Electrical Breakdown
  • Business Interruption
  • Personal Accident
  • Employers’ Liability
  • Public & Products Liability
  • Medical Malpractice
  • Dispensing Errors
  • Key Person, Practice Expenses, Locum Cover
  • Jury Service Cover and/or Lottery Win
  • Employee Dishonesty
  • Legal Expenses

Key cover benefits (some optional)

Optional benefits to suit your business

  • Buildings: including Subsidence with Terrorism Option
  • All Risks cover for loss or damage to contents
  • Damage to exterior and interior glass
  • Option to add All Risks cover for medical equipment
  • Business Interruption
  • Theft cover
  • Money, including personal accident (assault)
  • Employers Liability with a £10 million limit of indemnity
  • Public Liability with a standard limit of indemnity of £5 million, with higher limits available
  • Deterioration of refrigerated Drugs & Vaccines


Our insurance:

  • Provides Legal Expenses protection – covering costs and expenses for contract disputes and compensation claims up to £250,000
  • Empowers you and your key employees to trade confidently
  • Offers flexible cover tailored to your business needs
  • Backed by connected expertise and thinking

You might also be interested in

  • Management Liability Insurance
  • Combined Liability Insurance



What if my Medical Malpractice cover is provided by the local authority or I have this insurance elsewhere?

This is optional cover and can be excluded.


We rent our building, is this policy still suitable?
Yes absolutely, this cover can be excluded, but you also have the option to include signs, and theft damage to buildings, which are sometimes not covered by your landlord, especially where you have bought and/or installed them yourselves.


If a patient or visitors slips and hurst themselves in our car park will we have suitable cover?

Yes, whether you own the buildings or not, if you are responsible for the car park, then you will have suitable cover, the policy will defend you and pay any awards and costs up to the policy limit due where you are deemed negligent.


We have a dispensing Robot, can this be covered?

Yes we can arrange cover for the equipment and dispensing errors if you feel this is important too.


Are any wrongful acts excluded?

Some examples of wrongful acts not covered include fraud, personal profit and illegal compensation, and fines and penalties.

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