Prioritising patient care while running a business; it’s fair to say that surgeries face unique challenges and risks at the same time as providing an invaluable service to members of the community. Whether you own a doctors or veterinary surgery, or a dental practice, surgery insurance can be tailored to meet the individual needs of your business.

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  • If you’re responsible for running a surgery of any description, you’ll need to have the right insurance in place. It may be the case that your governing body recommends, or in some cases insists, that certain types of insurance are in place in addition to your medical malpractice cover. Buying a surgery package insurance policy is a good way to obtain the common covers needed as a business owner.

    So, whether you run a traditional medical practice or follow a more complementary discipline, the requirement for business insurance remains the same. Cover can be tailored to suit the needs of a wide range of surgeries, including osteopaths, chiropractors, homoeopaths, physiotherapists, dentists, doctors, psychiatrists, acupuncturists and veterinary practices.

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  • Starting with your legal obligations, if you have staff working in your surgery, then you need to have Employers’ Liability insurance. The minimum amount required by law is £5m but the industry standard is £10m to cover the costs and expenses should an employee become injured inthe course of any business activities at your surgery.

    But you also have a moral responsibility to your patients and members of the public who visit your surgery. This means that ensuring you have adequate Public Liability insurance in place is a must.

    While public and employers' liability are important covers to have in place, there will also be specific types of insurance thatyou'll need to protect your surgery fully. For example, if you run a medical practice, you’d benefit from; deterioration of stock, drugs and refrigeratedvaccines whereas a veterinary surgery may want to ensure expensive contents such as laboratory equipment is protected in the event of a fire or flood.

    Without sufficient insurance in place, an unexpected event could prevent you from conducting your day to day business. This would impact your income, the patients that rely on you and the future of your surgery.

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For your business to continue providing an essential service to your patients if the worst happens, it's critical that you have the right surgery insurance in place. Not only will your property, its contents and specialist equipment be covered but it can also protect you and your employees.

Public Liability insurance

Public liability cover is possibly the most critical part of your surgery insurance when running a busy practice. As a healthcare professional, you work hard to deliver good quality care to your patients, but sometimes, things go wrong. If a patient or any member of the public visiting your practice suffers an injury from a slip or a trip as a result of your negligence, it’s vital that you have adequate and appropriate insurance in place to handle the claim and pay any compensation.

Employers’ Liability insurance

Employers’ Liability insurance will protect you against the costs of an employee claiming compensation, when you’re found to be negligent for injury or illness suffered whilst working for you. It's a legal requirement for most businesses to hold a minimum £5 million. The industry standard is £10 million.

Buildings insurance

If you own the property you trade from then buildings insurance is designed to cover the rebuild and associated costs incurred following a claim. It will also cover any permanent fixtures and fittings if they were to become damaged following an insured incident such as a fire or a flood.

Contents insurance

The contents of your surgery are essential to keep your business running. This cover protects office essentials such as your computers and furniture, plus crucial refrigeration units and equipment if they're stolen or damaged.

Drugs & Medicines cover

It will provide cover for deterioration of drugs and medicines due to loss of power to chillers or refrigerators. If you need this cover, please add as a specified contents items while you are getting your quote.

Business interruption

If an insured event occurs that means your surgery is unable to open it could have disastrous consequences for your business and your patients. But with business interruption, you’ll have help to find and pay for alternative temporary accommodation so that you can quickly return to serving your community.

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  • As with any business dealing with the public, ensuring you have sufficient public liability insurance in place is a must, but a surgery faces more risks than most. The industry standard cover for public liability is £5m, but it's likely that you'll need more. If you’re uncertain about the amount you need, you can call to speak to a specialist insurance adviser to discuss your requirements in more detail.

  • You will need to get specialist Medical Malpractice cover, this can be added when you finalise your quote.

  • It’s normally an optional cover, so if you need it make sure you ask. It can cover the costs of legal fees and expenses of a lawyer incurred. These are the sort of things that could lead to legal expenses being incurred:

    • Employment disputes
    • Prosecution
    • Property
    • Taxation protection
    • Debt recovery
    • Data protection
    • Bodily injury
    • Contract disputes
  • Claims for losses as a result of Terrorism are excluded as standard in most surgery insurance policies but can be included as an optional cover.

  • Arthur J. Gallagher’s is one of the largest insurance brokers in the UK. We’ve chosen to partner with them to bring you the first class service and products that come from using a broker. You may have also seen that Arthur J. Gallagher is the proud sponsors of Premiership Rugby.

    You’ll also benefit from:

    Quick and easy quotes – Save yourself time and hassle by getting quotes online.

    Choice – You get the best chance of finding the right deal by choosing from a wide range of quotes from a panel of insurers.

    Confidence – Specialist insurance advisers will provide you with professional advice and guidance to help you fully protect your business.

    So, if you’re looking for shop insurance which can be tailored to meet the individual needs of your business with the support of a global insurance brokerage, then look no further.

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Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

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