Medical Malpractice Insurance – Protect Your Practice
Making a mistake or unintentionally harming a patient can be stressful, and without the right protection, it could seriously impact your business. Keep your peace of mind and safeguard your professional reputation with medical malpractice insurance.
Independent. Experienced. Flexible.
As award-winning commercial insurance brokers, we provide tailored medical malpractice insurance for both individuals and large organisations. Whether you run a small private practice, a large clinic, or an aesthetic business, we can help you secure the right protection for your profession and peace of mind. Get covered today – your practice deserves it.
Why Choose Independent Brokers for Medical Malpractice Insurance?
- Tailored Advice – We work with multiple insurers to find cover that suits your specific needs.
- Wide Reach – Helping both solo practitioners and multi-site organisations.
- Comprehensive Support – From quotes to claims, we guide you every step of the way.
- Peace of Mind – Protect your career, reputation, and business with a policy designed for you.
Contact us today to see how we can protect your practice.
Medical Indemnity Insurance FAQs
What is medical indemnity insurance?
Medical indemnity insurance protects you in the event of malpractice claims. It’s either a regulatory requirement or highly recommended for many medical professionals, from doctors and dentists to nurses and aesthetic practitioners. It covers legal fees, defence costs, and associated claims processes.
Do I need medical indemnity insurance?
Some medical professionals, like GPs and dentists, are required by law to hold indemnity insurance. Others, such as dental nurses, radiographers, or phlebotomists, may not be mandated but still benefit from protection. Always check with your regulatory body.
What does it cover?
• Acts or omissions during professional duties
• Injury, misdiagnosis, delayed referrals, or patient harm
• Legal fees and representation for disciplinary hearings, NHS tribunals, or fatal accident inquiries
Why is it important?
It provides financial protection, peace of mind, and support in stressful situations, ensuring your career and practice remain safeguarded.
Do you offer dental or aesthetic cover?
Yes. We provide tailored medical indemnity cover for dentists, dental nurses, technicians, phlebotomists, and aesthetic practitioners.
I already work for the NHS – do I need extra cover?
NHS cover may not extend to private practice or certain procedures. Our policies clarify when you are covered and when additional insurance is needed.
Getting a Quote
To provide an accurate quote, insurers typically require:
✓A completed proposal form (we can use your existing form or provide one)
✓ Confirmed claims history (insurers may apply subjectivities based on this)
We make the process simple, fast, and stress-free.
Register your renewal date
Medical Malpractice Insurance – Professions We Can Quote For
Doctors (GPs and Specialists)
Dentists
Dental Nurses
Dental Technicians
Nurses (General and Specialist)
Midwives
Chiropractors
Osteopaths
Physiotherapists
Radiographers
Paramedics
Pharmacists
Aesthetic Practitioners
Podiatrists
Optometrists
Speech and Language Therapists
Dietitians
Psychologists
Clinical Scientists
Phlebotomists
We can also cover full clinics and aesthetic practices.
Do You Have a Surgery That Needs Coverage?
Our medical malpractice insurance policies are designed to suit a wide range of medical practices, including surgeries, clinics, drugs, and equipment. Cover is flexible so you can tailor protection for now and the future.
Standard Cover Includes:
- Contents and Stock – Protects against fire, flood, storm, or escape of water. Includes drugs and medicines stored in freezers/refrigerators caused by temperature changes, up to £1,500.
- Money and Malicious Attack – Covers theft or attempted theft of safes, franking machines, and items used for carrying money.
- Business Interruption – Loss of income due to damage to premises, up to £1.5 million.
- Employers’ Liability – Covers injury and illness to employees, including work abroad up to 60 consecutive days, up to £10 million.
- Public and Product Liability – Protects against claims from the public or property damage caused by your business activities or products, starting from £2.5 million.
- Environmental Liability – Covers damages caused by pollution, including regulatory cleaning costs, up to £1 million.
Optional Additional Covers:
- Terrorism – Property damage and loss of income due to acts of terrorism in England, Scotland, and Wales.
- Engineering Insurance – Accidental damage or breakdown of machinery and plant.
- Buildings – Protection against fire, flood, storm, or escape of water.
- Engineering Inspection Services – Plant and equipment inspections and certification to prevent injury or business interruption.
- Deterioration of Stock – Temperature-related stock losses or emergency supply failures.
- Commercial Legal Expenses – Legal costs to defend your rights and compensation awards up to £250,000.
- Group Personal Accident – Protects employees aged 16–65 against financial impact from accidents or illness.
- Business Travel – Cover for employees travelling abroad on business, including a 24/7 helpline.
Want to speak to one of our specialists?
Telephone: 01732 252898
or email us.