When you work in healthcare, trust matters. But even with the highest standards of care, allegations can still happen.
Medical Malpractice Insurance, also known as Medical Indemnity Insurance or Medical Professional Liability Insurance, is designed to protect healthcare professionals and organisations against claims arising from alleged clinical negligence, malpractice, misdiagnosis, treatment errors, delays in referral, or injury to a patient.
At C&C Insurance Brokers, we help medical professionals and healthcare businesses arrange cover that reflects the work they do, the risks they face and the regulatory expectations placed upon them.
Why Medical Malpractice Insurance Matters
A complaint, allegation or claim can be stressful, costly and time-consuming, whether it is ultimately justified or not. Medical Malpractice Insurance can help cover the legal defence costs involved in responding to a claim, as well as compensation or damages that may become payable, subject to the terms of the policy.
For many healthcare professionals, having adequate and appropriate insurance or indemnity arrangements is also a regulatory requirement. The level and type of cover needed will depend on your role, scope of practice, whether you work privately, through the NHS, independently, or across more than one setting.
Who Needs Medical Malpractice Insurance?
Medical Malpractice Insurance may be suitable for a wide range of healthcare professionals and organisations, including:
| ✓ Private Doctors and Consultants | ✓ Physiotherapists and therapists |
| ✓ Surgeons and Specialist Practitioners | ✓ Aesthetic practitioners |
| ✓ GPs undertaking private work | ✓ Diagnostic and imaging providers |
| ✓ Clinics and private medical practices | ✓ Nurses and nurse-led clinics |
| ✓ Dentists and dental professionals | ✓ Healthcare businesses employing or contracting clinicians |
| ✓ Locums working outside standard NHS indemnity arrangements |
Cover can often be arranged for a broad range of specialisms, including orthopaedics, ENT, gynaecology, cardiology, anaesthetics, dermatology, radiology, ophthalmology, plastic surgery and more.
What Can Medical Malpractice Insurance Cover?
Depending on your profession, practice, structure and insurer, medical malpractice insurance may include:
| ✓ Medical professional liability | ✓ Defamation |
| ✓ Clinical negligence claims | ✓ Disciplinary or Regulatory Defence |
| ✓ Legal Defence Costs | ✓ NHS Investigation Costs |
| ✓ Compensation Awards or Settlements | ✓ Medico-legal Report Work |
| ✓ Professional Indemnity Protection | ✓ Good Samaritan Acts |
| ✓ Public Liability | ✓ Cyber & Privacy Liability |
| ✓ Products Liability | ✓ Breach of Confidentiality |
| ✓ Run-off Cover After Retirement, Sale or Closure of a Practice |
Claims-Made Cover & Run-Off Protection
Many Medical Malpractice Insurance policies operate on a “claims-made” basis. This means the policy responds to claims made and notified during the period of insurance, rather than simply when the incident occurred.
This makes continuity of cover extremely important.
If you retire, stop practising, sell your business or move to another provider, you may still need protection for work carried out in the past. Run-off cover is designed to help protect you if a claim is brought after your active policy has ended.
C&C can help you understand how this works and what arrangements may be needed to avoid gaps in protection.
Why Choose C&C For Your Medical Malpractice Insurance?
At C&C, we don’t believe medical malpractice insurance should be treated as a tick-box purchase. We take time to understand your role, your services, your patient exposure, your contractual arrangements and your plans. That allows us to approach the market properly and help arrange cover that reflects the reality of your work.
With C&C, you benefit from:
| ✓ Specialist Commercial Insurance Advice | ✓ Help Identifying Potential Gaps In Cover |
| ✓ Access to Appropriate Medical Malpractice Insurance Markets | ✓ Guidance Around Claims-Made Policies & Run-Off |
| ✓ Support With Individual, Clinic & Healthcare Business Arrangements | ✓ Clear Explanation of Policy Terms & Limits |
We manage the claims process on your behalf if the policy is ever called upon. Something our clients value and goes a long way in explaining our 97.7% client retention rate!
Client feedback
Speak To C&C About Medical Malpractice Insurance
Policies can vary, so it is important to check exactly what is and isn’t covered. Whether you are setting up in private practice, reviewing existing arrangements, changing providers, expanding your clinic or planning for retirement, C&C can help you understand your options. For advice on Medical Malpractice Insurance, speak to the C&C team today.
CONTACT OUR MEDICAL MALPRACTICE INSURANCE TEAM TO DISCUSS WHICH OPTIONS ARE RIGHT FOR YOU AND YOUR PRACTICE ON 0161 406 4800 OR AT RICHARD.SPENCER@CC-INSURE.COM
