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, GP, surgeon or nurse, 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. While that happens, a patient’s condition may deteriorate and it could have a long-term effect on their health.

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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


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’s essential for doctors, nurses and other medical professionals in the event of claims of malpractice, negligence or dishonesty.

Get an insurance quote for your business

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.

Get started