Surgery Insurance
Flexible, Comprehensive Protection for GPs, Dentists, and Vets' Practices
At Practice Cover, we understand the unique challenges of managing a medical practice. That's why we've designed a policy tailored specifically for GPs, dentists, vets, and other healthcare professionals.
Our extensive Surgery Insurance coverage safeguards your practice, equipment, buildings, income, and legal liabilities from unexpected events, allowing you to focus on running your practice with confidence.
What does Surgery Insurance cover?
Employers’ Liability
Employers’ Liability up to £10 million with no excess
Public & Products Liability
Public & Products Liability up to £10 million with no excess.
Stock Protection
Protection for ambient medical and drug stock, including refrigerated drugs and vaccines, there are no limits to this cover, you tell us what you need and we can provide the cover.
Buildings Cover
Buildings, Loss of Rent, and tenants’ improvements.
Mechanical and Electrical Breakdowns
Coverage for mechanical and electrical breakdowns, including specialised, diagnostic, and IT equipment.
Business Interruption Insurance
Business interruption insurance to cover operating costs and lost revenue.
On-Site and Off-Site Contents
Comprehensive coverage for both on-site and off-site contents, including computers, lamps, signs, nameplates, and temporary equipment taken by patients for short-term monitoring.
We're in the UK
A UK-based Support & Claims Team.
Legal Advice
Access to a dedicated legal advice line.
Theft Coverage
Extensive theft coverage, including walk-in theft (subject to policy terms) for money held on premises, in transit, in safes, and ATMs.
Jury Service Cover
Jury service coverage for all staff members.
Employee Dishonesty Cover
Employee dishonesty coverage up from £10,000 to £50,000 depending on your needs.
Low Excess
Low £200 excess on most claims.
Optional Add-Ons
Optional add-ons include legal expenses, and terrorism coverage.
Each policy is uniquely designed to meet your needs, with tailored benefits that can vary - terms and conditions apply.
Practice Cover Reviews
Surgery Insurance FAQs
What Happens When I Make a Claim?
When you file a claim, it will be handled fairly and promptly, with regular updates provided via email, letter, or phone.
How might my claim be processed?
Depending on the specifics and value of your claim, we may:
- Send you a form to complete
- Request additional information
- Appoint an independent loss adjuster for further investigation
- Arrange a meeting with a member of our claims team
Do I Need Employers' Liability Insurance?
Yes, if your business employs staff, whether full-time or part-time, employers’ liability insurance is mandatory. Our Employers’ Liability coverage protects your legal responsibilities to employees who may get injured or become ill due to their work for you. It covers your legal defence costs and compensates the employee if negligence on your part is proven. area. We recommend checking with your local CCG for guidance on the required amount of coverage.
Do I Need Public & Products Liability Insurance?
Our £5 million Public & Products Liability coverage protects your legal responsibilities to patients or members of the public who may get injured or become ill in your care or on your premises. It covers your legal defence costs and compensates the injured party if negligence on your part is proven. Our policy offers a sliding scale of coverage from £2 million to £10 million, tailored to your needs. Standard policy coverage tends to be £5 million, but this can vary depending on your CCG (Clinical Commissioning Group) area. We recommend checking with your local CCG for guidance on the required amount of coverage.
Insuring Your Practice
GP
Insurance
Running a GP practice comes with challenges unlike any other. Rising patient demand and limited resources can leave little time to think about insurance, that’s where we step in.
Dentist
Insurance
We understand that every dental practice is unique. Whether you’re running a private practice or working within the NHS with a UDA commitment, your insurance requirements will differ.
Vet
Insurance
Running a veterinary practice brings unique challenges, with the responsibility of caring for animals and their owners. We know insurance isn’t always top of your to-do list, that’s where we step in.
Private Practices & Allied Healthcare
With evolving demands on social healthcare, many practices diversify by offering private healthcare. At the same time, more individuals set up their own practices or specialist businesses.
IFAs
Talk to us about offering Practice Cover financial protection packages to your healthcare clients.
For more information, please call 020 3982 0420 or email enquiries@practicecover.co.uk.