Surgery insurance

Maintain the smooth operation of your surgery with flexible adapable coverage

Specialist insurance for GP practices and surgeries

General and private practices face multiple and various risks on a daily basis, including equipment breakdown, employee and patient exposure to potential injuries and so on.

That’s why it is important to work with a specialist insurance broker, who understands the sector inside out.

As one of the UK’s leading insurance brokers in the healthcare sector, our Howden team have many years of experience working with a wide range of care providers.

What is surgery insurance & who needs it?

Howden's bespoke Surgery insurance is based on the recognition that every practice may have its unique set of challenges. It includes cover for a wide range of risks for both general practices, and private practices.

Surgery insurance protects you against unforeseen events that can leave you exposed to claims or interrupt the ability to practice by damaging your reputation as a health provider organisation and your patients' trust.

What does it cover?

Our Surgery insurance policies are specifically designed around your unique requirements. We get to know you, your surgery and the risks you face. We then use our expertise to help you make the right decision for your surgery.  

Our cover is flexible and adaptable, and we will always put your needs first to help you get the protection you need, without paying for cover that you don’t. 

Features of our bespoke surgery insurance include:

  • Building (optional) and contents cover
  • All-risks cover
  • Flood and subsidence cover
  • Business interruption cover
  • Refrigerated drugs cover
  • Business emergency cover
  • Medical bags cover (on and off site)
  • Medical equipment cover (on and off site)
  • Fidelity guarantee (employee dishonesty)
  • Employers liability cover £10m
  • Public liability cover £5m
  • Optional computer cover
  • Optional terrorism cover

Speak to our specialist advisors

Do you have an existing policy with Howden?

Got a question or query? Give us a few details in the box below and we'll get back to you.

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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.

Let's talk...

0117 405 7510

We'll put you in touch with the person best equipped to help.


The benefits of having Surgery insurance with Howden?

Having Surgery insurance provides you with a peace of mind and the ability to look after your practice, your staff and patients. While some insurances will be mandatory, like Employers Liability, having the correct levels of cover for your own unique set of challenges and potential scenarios means your surgery will be protected in case of any accidents that result in a legal action and legal expenses.

Howden's policies are bespoke and tailored to your needs so you only pay for cover that you need.

Hacked symbol on computer circuit board with open padlock

We can also help you with Cyber Insurance

GP practices are increasingly reliant on technology and are entrusted with large quantities of confidential data, therefore face a range of cyber risks that cannot be ignored. Having a suitable cyber insurance protection in place is crucial for the healthcare sector, especially due to providing care and services to members of the public and storing their data.

Cyber-attacks on the NHS are heard of by many, but individual GP surgeries are not out of cyber criminals’ radar by any means. A cyber breach could affect your ability to operate, costing your business money as well as potentially damaging your long term reputation. Howden can offer a solid stand-alone Cyber Insurance policy that is designed to minimise and mitigate these risks. What’s more, we can also provide you with additional support like risk management training for staff, incident response support, business interruption cover, recovery of lost funds, legal defence costs and more.


Howden's Surgery policy is bespoke and tailored to your practice's needs and requirements as we appreciate the fact that not all healthcare organisations function in the same way. This means that you don't have to pay for cover that you don't necessarily need.

Speak to one of our friendly experts to learn more about the policy. We are always happy to discuss your circumstances and help you choose the most appropriate cover and optional extras.

Yes, you can. If multiple practices operate under one legal entity, they can be insured under the same policy. Our team of experts can advise you on whether that's the case for you.

A copy of your Employers' Liability Certificate will need to be kept in a printed format in a prominent place well known to staff. You may also wish to keep a digital version in a durable format where it can be easily accessed.

You should regularly have a survey carried out by a professional and qualified surveyor who will provide you with a report detailing the appropriate rebuilding value for your building.

Most insurers do not provide certificates for Public Liability as there is no legal obligation for this cover. Details of whether this cover is in force and its limit of indemnity are detailed in the schedule.