Austria
Belgium
Estonia
Finland
France
Germany
Greece
Iceland
Ireland
Italy
Netherlands
Norway
Poland
Portugal
Spain
Sweden
Switzerland
Turkey
United Kingdom
Australia
Hong Kong
New Zealand
India
Indonesia
Japan
Malaysia
Philippines
Singapore
Thailand
Brazil
Chile
Colombia
Mexico
Peru
Bahrain
Israel
Morocco
UAE
Oman
Tanzania
Turkey
Insurance for medical clinics
Howden’s Health & Care practice brings you a dedicated team of medical insurance specialists supporting a wide range of clinics and medical facilities.
Our medical sector team has been helping doctors and surgeons for over 25 years. Protecting their businesses has always been a big part of that. We truly understand the challenges you face, both as a medical facility and a modern business; our specialist eye for detail can improve your risk management and help save you money.
We don’t do off-the-shelf insurance policies, but that doesn’t mean our insurance costs more
In fact, specialist tailoring in insurance is a proven way to save clients’ money, while offering quality protection that’s genuinely useful when you need it most.
We have tailored policy wordings that can provide all-encompassing protection giving you peace of mind, and access to an expert claims team, whose deep knowledge of the medical sector is a huge asset when there is a claim.
Our expertise covers:
- Cancer treatment centres
- Day surgery centres
- Diagnostic labs
- Dialysis centres
- Family planning clinics
- IVF centres
- Medical repatriation services
- Outpatient mental health services
- Primary and secondary care providers
- Private GP clinics
- Scanning centres
- Travel clinics.
If your service is not listed above please contact us, we will be able to help.
While every clinic is different, we do find that most require a tailored combination of:
- Medical Professional Liability
- Professional Indemnity
- Cyber
- Public and Employers’ Liability
- Product liability
- Directors’ and Officers’/Management Liability
- Buildings and Contents (including material damage)
- Business Interruption.
We combine elements of these into a package, with a single renewal date to reduce your administrative burden and create a single contact point for all of your insurances
What does specialist medical clinic insurance cover?
The backbone of an insurance package for a medical clinic is medical liability cover.
Your Howden policy covers all elements of a malpractice claim, from the initial costs of defending the claim to amounts offered in settlement, the award of damages, court and claimants’ costs.
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 skilled lawyer experienced in similar challenges. Our expert medico-legal advice is provided by a panel of the most experienced firms.
A good policy must cover:
- physical injury, mental harm/illness, disease or death of a patient at your clinic
- missed or misdiagnosis
- delays in referrals
- disciplinary action
- fitness-to-practice hearings
- regulatory compliance investigations
- criminal proceedings
- and coroners' inquests.
Our medical liability policies can also cover:
Defending allegations of libel and slander arising from your professional practice can be expensive.
Cover for incidents that result in breaching patient confidentially.
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.
Support staff serving your patients can be the subject of allegations too. Your Howden policy extends cover to your clinic and support staff, so in the event of a claim against them, cover will be available.
The root cause of some injuries may not be a single decision but a deep failure of the whole clinic or management, such as understaffed or underequipped rooms, or poor infection control. A clinic policy will cover this.
By employing or contracting with medical professionals, the clinic becomes partly or “vicariously” liable for their actions. A claim can be brought against the clinic as well as the named individual, so you need to cover for both.
Professional indemnity protects you from claims alleging that someone you contract with has suffered a financial loss as a result of your failure to provide the service.
Cyber insurance: vital for medical clinics
Most clinics have large and uninsured cyber exposures, due to the handling of medical records and credit card details.
Medical data is the most valuable illicit information on the black market, and any company holding any sort of patient data could be attacked.
• Incident response support to include IT forensics, Legal and PR services.
• Digital and data asset loss, including the cost of repair, restoration or replacement
• Business interruption cover, providing protection for income
• Defence costs, civil fines and penalties, where insurable by law.
We also have tailored policies for
Liability insurance covers against third-party claims for injury or damage to someone else’s property. This can be any visitor to your premises, be it a patient, employee or just someone passing through.
What does it cover?
- Bodily injury
- Personal injury (such as through defamation or slander)
- Property damage
- Legal defence.
Directors’ and Officers’ / Management Liability insurance gives financial protection in the event you are sued personally. It protects you against claims made against you or your co-directors within the scope of your everyday business.
This insurance is there to pay for costs relating to mounting a defence, and any damages or settlements relating to the matter.
- Entity cover for employment practices liability claims
- Official investigations
- Crisis management
- Entity cover for securities claims (for listed companies)
- Retired directors.
We have commercial business insurance policies specially designed for medical clinics, covering buildings, temperature-controlled stock, and medical equipment, including high-value machinery.
The policy covers:
- Loss, theft or damage
- Legal fees
- Consulting fees e.g. architects or surveyors.
There are many reasons why your premises could be out of action for a while. If that happens, you’ll have to make other arrangements, or close your doors until the situation is rectified.
Of course, there will still be bills to pay, often more than usual as you spend release funds to find adaptive new ways of working.
Business interruption cover offers financial support for:
- Loss of profits or gross revenue
- Increased costs of working
Who provides the cover?
As an independent insurance broker, we’re free to choose from a wide range of providers, to create the most comprehensive and suitable policy.
Howden has established partnerships with some of the world’s leading providers of medical insurance underwriting and risk management services. Your Howden policy is placed in the London insurance market or at Lloyd’s of London, which gives clients the security and reassurance associated with the world’s largest specialist insurance and reinsurance market.
We only work with specialist lawyers and insurers
We only use minimum A-rated insurers with experience of the unique complexities of the medico-legal industry. All claims are handled with the utmost professionalism by trusted and experienced staff with in-depth knowledge of the field.
How Howden work with you
An experienced, specialist broker can arrange quality, affordable insurance coverage that will step in to defend you and protect your reputation.
We take pride in our tailored approach. All of our clients are different, and we work hard to get to know every one of them, creating solutions to fit your business and people perfectly.