Business insurance for Medical professionals

As someone who provides professional treatment to patients, you give your absolute best every day. But you’re making decisions about other people’s health, so you’re vulnerable to claims of malpractice and legal action around medical indemnity – insurance is absolutely critical. You can’t do your job properly without knowing you’re covered if things so wrong. That’s why business insurance is so important, to protect you, your business, your clients and the public.

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A specialist profession like yours needs a specialist provider. We work closely with a large network of trusted providers to make sure we can refer you to the experts in your field.

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Insuring your medical practice

Whatever kind of practitioner you are, insurance needs to be specific to the risks you’re likely to face. It’s a specialist field, with very particular requirements, so while Hiscox doesn’t offer bespoke insurance for medical professionals, we work with a range of trusted, specialist providers who do.

Why you need business insurance in medicine

Guarding against injury

You may be treating patients all day, but you, your employees, someone visiting your practice or even a member of the public could be injured, whether or not it’s related to a treatment and whether your business is at fault or not. Injuries are upsetting and stressful, but they can also cost you time, money and possibly your reputation.

Disagreements with patients

Despite your complete professionalism, you might be challenged on prescribed treatments or their long-term outcomes. It could be that a patient has an unexpected reaction to a drug, a treatment program is delayed and their condition worsens, or a family member claims you were negligent in diagnosis and treatment.

Keeping things running

Your key assets are your hands and your mind, but technology plays a big role too and if key diagnostic equipment breaks down, you won't be able to provide treatment to patients until it’s up and running again.

With equipment breakdown cover built into your business insurance policy, there's help with the cost of repairing the machine's mechanical malfunction.

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If you’d like us to match you to the specialist medical practice insurance providers best suited to your needs, we’ll need a few details about what you do.

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Key types of insurance for medical professionals

Medical malpractice insurance and public liability insurance can be helpful for medical professionals. So, we have combined them into one product – professional, treatment and public liability insurance. Though we talk about them separately below, professional, treatment and public liability insurance is a combined cover with one combined limit. You can get public liability cover as a medical professional by purchasing this combined cover. Contact us for more information about Hiscox business insurance products.

Public liability insurance

As a medical professional you work with members of the public every day. There’s always a danger that the treatments you provide could cause unexpected injury, but there are also the potential accidents that have nothing to do with treatment. Public liability insurance is important if a member of the public claims they’ve been injured or that their property was damaged while visiting your practice, or during a house call.

Learn more about professional, treatment and public liability insurance

Medical malpractice insurance

Medical malpractice insurance is designed specifically for people whose job involves giving medical treatment and guidance to their patients. It’s there to cover any compensation you may have to pay if a patient claims they’ve suffered an injury, illness or unexpected outcome as a result of treatment or advice they received from you. It could be essential for medical professionals in the event of claims of malpractice, negligence or dishonesty.