Vicarious Liability Insurance

The moment you hire or employ another practitioner you are exposed to many risks as you are seen as the person responsible, especially if your employees aren’t independently insured. As a practice owner or service provider, you could be responsible for their mistakes.

If you are held liable for actions of your employees or anyone that works for or with you, you may have to use your business bank accounts or your own assets for legal services and defending claims.

Yes, our indemnity insurance is available for a wide range of medical professions.

For most professionals it is a regulatory requirement to have some form of professional indemnity, for example: GPs and dentists. For others, such as radiographers, dental nurses or technicians, it is something that is recommended to provide you with protection in the event of an allegation being made against you (please refer to your regulatory body for guidance).

Medical indemnity insurance includes acts or omissions in the course of your professional duties. This can include injury, misdiagnosis, delays in referral, physical or mental harm to a patient. It doesn’t cover against incidents that occurred before the life of your policy.

Put simply, claims made means your policy will respond to claims submitted whilst the policy is active. Your cover is issued with a retroactive date, which means the policy will provide protection for any treatment provided after this date.

In most instances the retroactive date will be the date cover is first taken out with us. However, if you transfer your insurance to us from another provider and have previously been covered by a claims made policy, we can look to provide a retroactive date back to when you first took out this type of cover.

We have a range of insurers we use to source our products who will look at each professional on a case by case basis. They are open to reviewing those that have previous claims or disciplinary action.

Cover and premiums can vary but we specialise in cases such as this and will work hard on your behalf to get you the best deal we can.

Once cover under your claims made policy has ended, no further claims can be made unless you have arranged run off cover. Run off cover continues to provide protection after you have ceased to practice in case any claims arise from treatment you previously provided.