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Medical liability insurance for medical professionals
Medical Indemnity insurance, also known as medical malpractice insurance or medical liability insurance, helps to protect healthcare professionals against claims arising as a result of malpractice or negligence.
If a claim is made against you, regardless of whether it is justified or not, you will need to cover the cost of legal defences. Medical Indemnity will cover those costs as well as any compensation you may need to pay.
Cover that ends when the policy payments do can turn into a nightmare, especially as many claims have a gestation period of several years.
Your Howden policy provides cover on an occurrence basis. There is no deadline for making claims and no complicated reporting requirements. Even doctors who are retired retain their right to make a claim.
Being covered at the time the incident occurred is crucial.
Who needs Medical malpractice insurance?
Anyone who could potentially harm or injure another person, while providing healthcare and exercising their professional duties, is legally required to have adequate and appropriate insurance or indemnity arrangements in place.
This can include: Private practitioners, GPs, Surgeons, Consultants, Clinics, & Hospitals.
We can provide cover for Doctors undertaking all specialities, including but not limited to:
- Orthopaedics
- ENT
- Neurosurgery
- Obstetrics
- Plastics
- Gynaecologists
- Anaesthetists
- Cardiologists
The level of protection needed depends on your particular circumstances. Speak to one of our experts who will be able to help you with this.
Policy highlights
Medical malpractice claims
Your Howden policy covers all elements of a malpractice claim, from the initial costs of defending the claim, amounts offered in settlement, award of damages and/or costs.
Cover for clinics and support staff
The legal entity that you created to house your practice and the support staff serving your patients can come under fire. Your Howden policy extends cover to your clinic and support staff, at no extra cost, so in the event of a claim against them cover will be available.
Legal representation
The quality of legal representation can be the difference between upholding your good reputation or having it tarnished. Your Howden policy covers the costs of getting a competent lawyer experienced in similar challenges. Our expert medico-legal advice is provided by a panel of the most experienced firms.
Department of Health disciplinary inquiries
An adverse finding by the Department of Health’s disciplinary tribunal can be just as damaging for your reputation as a malpractice claim. Your Howden policy covers the cost of legal representation at SMC inquiries, to ensure that your interests are protected.
Good Samaritan acts
If you need to get involved in an emergency, your insurance should be with you, standing strong, giving you the confidence to act fast. Your Howden policy covers Good Samaritan acts.
Libel and slander
Defending allegations of libel and slander arising from your professional practice can be expensive. Your Howden policy includes costs of defence against libel and slander.
Mental Injury
It’s possible to sue for mental anguish, for example in cases where there is no discernible physical injury but severe Post-Traumatic Stress Syndrome.
Your Howden policy provides cover for claims involving mental injury.
Coroner’s Inquests
A properly prepared statement for a Coroner’s Inquest is a pre-emptive defence against later claims. Cover for the costs of preparing statements for the coroner, and legal representation if needed at an inquest, is provided by your Howden policy. Policies for the medical profession are complex and nuanced – it’s wise to engage a specialist broker to cut through complications before they become problems.
Public Liability Cover
Your classic ‘slips and trips’ insurance, Public Liability cover will protect your business if someone is injured in an accident on your premises and subsequently claims against you.
Who is the cover with?
To ensure that you receive the best possible support, Howden has established partnerships with some of the world’s leading providers of Medical Malpractice Insurance underwriting and risk management services.
Your Howden policy is placed with underwriters at Lloyd’s, which gives clients the security and reassurance associated with the world’s largest specialist insurance and reinsurance market.
