Medical Indemnity insurance

A Medical Malpractice insurance policy that gives you peace of mind

Specialist protection against claims of medical malpractice

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.

Who needs Medical malpractice insurance?

In the UK, 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, GP's, 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.

Coverage (inclusive of Fitness to Practice policy):

A Claims-Made insurance policy
Various limits of indemnity available
Breach of confidence cover
Defence costs for claims covered by the policy
Defence costs for disciplinary proceedings
Professional indemnity cover for review boards and expert report
Defamation cover
Cover for medico-legal reports
Up to 25 years run-off cover
Safety net for those transferring from Medical Defence Organisations
24/7 Medico-legal helpline and claims reporting
Good Samaritan Acts worldwide

Our Fitness to Practice policy is offered in addition to your Medical Indemnity insurance. Main benefits to the policy include legal costs protection, 24/7 Consumer-legal and Medico-legal advice lines and Counselling assistance line.

Defend your reputation

Speak to our experts. We'll take the hassle out of buying insurance.

Do you have an existing policy with Howden?

Yes

No

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team;
-calling Howden on 020 7623 3806;
-using the Enquiry form.

Medical professional liability insurance

Benefits of having Medical Indemnity insurance with Howden

We know that insurance cannot be ‘one size fits all’, which is why our offering is tailored to you and can adapt with you throughout your career. Unlike Medical Defence Organisations (MDOs), Howden offer clients contract-certain insurance policies rather than discretionary indemnity.

What is more, we have built a safety net into our cover for when switching providers. This gives you peace of mind and means that you have less to worry about when it comes to potential gaps in exposure.

Frequently asked questions

No - your Howden insurance policy is contract-certain. Its terms are therefore enforceable under law and you have peace of mind in the event a claim is made against you. Medical Defence Organisations (MDOs) offer discretionary cover. This means that the acceptance of any claim made by a member is subject to their discretion. MDOs are under no legal obligation to provide assistance to a member.

No - If you are with a Medical Defence Organisation then the new policy will be on a claims made basis and will respond to any claims made after inception of the new policy. There is also a retroactive date which will be transferred to your new policy to make sure there is no gap. If you have an existing claims made policy then again there will be a retroactive date. Our policy will pick up the retroactive date.

Yes – as malpractice claims can be brought years after the fact, we provide run off cover as standard. This means that cover is provided after you have stopped practicing.

Yes – our policies include Good Samaritan Acts that occur outside the scope of your regular work, such as giving first aid to a member of the public.

Yes - we provide cover for legal costs. Our friendly specialists can tell you more about this.