Medical Insurance Consultants - Locum Insurance Cover | GP Partnership Protection | Surgery Insurance

Buying Groups

• What can we offer?
• Healthcare Professional Indemnity / Malpractice
• Staff Sickness Insurance
• Locum Insurance
• Surgery Insurance
• Procurement Services
• Practice Legal Expenses
• Schedule 9 Requirements

Healthcare Professional Indemnity / Malpractice Insurance

Your members may be coming across requests for them to have Professional Indemnity and Medical Malpractice Insurance more often.  This is due to the adoption of a template contract now used for service providers to PCT's/PCO's.  Often included in the contract as Schedule 9 insurance requirements, they include many aspects of insurance cover required and the limits they expect you to have.  However, it may not just be down to contractual obligation to take this cover out as outlined below.

Over recent years there has been clarification over the scope to which an individuals indemnity arrangements extend.  What has been established is that an individuals indemnity arrangements will no longer extend to cover the activities of the business they operate.  This is due to the increased nature of how claims are put in.  Claims are more than likely directed towards the business/company that provided the service at the first instance, as the business is the entity the customer obtained the services from.

An example is creating a company that then sub-contracts work out to practices/GP's.  By creating the company and using it as the point of providing services to the PCT/PCO the company now becomes the first port of call for any complaints etc.  Even if the company is not at fault, but  the individual GP, the claim may initially be directed at the company that employed the services of that GP or Practice.  Redirecting a claim can be an expensive process, which is why comprehensive Professional Indemnity cover should be obtained in order to cover these costs.

We only use insurers with knowlegde of the healthcare sector and are financially strong.

Benefits of cover: