Frequently asked questions

What is a medical indemnity insurance policy?

Medical indemnity cover will protect you against potential costs and damages you may become legally liable to pay arising out of any insured treatments you provide or advice you give to patients.

Do I need a corporate or private policy?

If you run a legally incorporated limited company or partnership you must purchase your insurance in the name of that business, as a corporate policy. This cover extends to protect the company as well as its employees and partners, subject to them being specified on the policy.

It is important to note that employees or partners specified on a corporate policy will not be covered for treatments they carry out in their own capacity for which they receive personal earnings. In this case, they they should consider their own separate private policy.

Will I be insured for treatments I provide outside of my premises?

Medical indemnity insurance policies are not premises specific, they are underwritten on a territorial basis. If you offer a mobile service, or have contracts with various clinics and salons, your policy will not restrict you trading from other premises.

Can I add a new treatment to my existing insurance policy?

In the majority of cases a new treatment can be added to your existing policy, providing that we cover this. To add a new treatment to your policy you will need to provide, a copy of the training certificates, written confirmation that you have no outstanding claims for this treatment and the additional income you will generate.

Does my insurance policy cover me to train others?

Your policy does not automatically provide training cover unless it is specifically stated on your policy. You will need to make an application for this cover where additional premiums and terms and conditions will apply.

Will I receive a refund if I cancel my policy before its end date?

The return premium will be calculated on a pro rata basis. However, you will be charged a cancellation fee. You will still require cover for any treatments that you have previously carried out as claims can be raised for up to three years post treatment.

What happens when my policy ends?

You will have the option to renew your policy with us, or transfer your insurance to a new provider. If you have stopped trading then you should consider run-off cover to protect yourself against any claims made up to three years after treatment.

What is run off cover?

A policy extension that provides protection for treatments performed before the policy cancellation, as claims can be raised for up to three years post treatment. This doesn’t cover any new treatments.

What is retroactive cover?

This covers treatments carried out under a previous insurance policy. Some providers may offer this at no additional cost for the past year, however it is not always included as standard so check your policy details carefully.

How do you define bodily injury?

Bodily injury is defined as any physical or mental injury, illness, disease or death of any patient caused by any negligent act, error, omission or any advice you provide to the patient.

Can I add a dental policy to my existing medical indemnity insurance?

You can combine your aesthetics and general dentistry policy, or create two policies under one roof whether you are a single practitioner or a corporate entity.

Can I add a new treatment to my existing dental insurance policy?

In the majority of cases a new treatment can be added to your existing policy, providing that we cover this. To add a new treatment to your policy you will need to provide, a copy of the training certificates, written confirmation that you have no outstanding claims for this treatment and the additional income you will generate.

Will I receive a refund if I cancel my policy before its end date?

The return premium will be calculated on a pro rata basis. However, you will be charged a cancellation fee. You will still require cover for any treatments that you have previously carried out as claims can be raised for up to three years post treatment.

What happens when my policy ends?

You will have the option to renew your policy with us, or transfer your insurance to a new provider. If you have stopped trading then you should consider run-off cover to protect yourself against any claims made up to three years after treatment.

What is run off cover?

A policy extension that provides protection for treatments performed before the policy cancellation, as claims can be raised for up to three years post treatment. This doesn’t cover any new treatments.

What is classed as a commercial building?

This is a building used for trading purposes which includes, but is not limited to, office blocks, warehouses and shops.

Can I claim for business interruption?

Our policy protects you for loss of income if you are unable to trade as a result of a range of insured perils. Check your policy wording carefully for detailed information on the perils covered.

Am I covered against theft by an employee?

Our policy includes crime insurance which protects the company against financial loss from the theft of property, money or securities by an employee.

What is covered within your work from home insurance?

Our home insurance covers your buildings, contents, personal possessions and any specified items (such as jewellery). We provide extensive cover for a range of working from home scenarios from clerical work through to workshops or surgeries.

What criteria do I need to meet?

You must take reasonable steps to prevent loss or damage and keep the building in a good state of repair. Inform us of any changes to the property or occupancy within 14 days. You should also make sure that the sum insured of the property is correct, as well as the replacement of contents.

Will I receive a refund if I cancel my policy before its end date?  

You can cancel your insurance at any time. The refund premium will depend on how long you have had the insurance in place and any associated terms and conditions.