Surgery
Insurance
Why do I need insurance?
Keeping your practice running and
making sure patients are seen following a loss is
essential. We can help you protect your assets, both
physical and financial, with our comprehensive surgery
policy.
We will
replace all insured items, protect your income in the
event of a loss and provide protection against actions
brought against the practice.
Practice
Protector is designed for you with our assistance. We
will build a bespoke policy for your surgery’s needs,
keeping cover comprehensive and premiums tailored to the
essential insurance.
What
exactly does Practice Protector cover me for?
Property Damage
Provides cover for the surgery itself and all of
your physical assets:
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"All-Risks"
including accidental damage, full theft (not
just by forcible or violent means) and
subsidence |
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Prescription drugs, medicines and medical
supplies at your surgery, up to £10,000 |
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Surgery bags, surgery equipment and medical
equipment, up to £10,000 |
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Loss of refrigerated drugs and medicines due to
the breakdown of a refrigerator, up to £2,500 |
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Cost of replacing surgery and patient records,
up to £10,000 |
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Unlimited glass cover |
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Up to £1,000 per person for personal effects in
the surgery |
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Cover for doctors' bags is provided for anywhere
in the United Kingdom, up to £2,000 |
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£250 excess rising to £1,000 in respect of
subsidence |
Business Interruption
Cover for loss of income for your surgery following
an insured loss, including extensions for:
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Denial of access due to damage of surrounding
properties |
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Accidental failure of public utilities |
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Discovery of a notifiable disease at your
surgery |
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Murder or suicide at your practice |
Employers Liability
Cover for partners and employees of the surgery, up to
£10,000,000
Public Liability
Cover for members of the public, including your
patients, up to £2,000,000 (limit of indemnity can be
increased where necessary)
Money including Assault
Cover for cash, cheques and other non-negotiables:
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Up to £250,000 for crossed cheques and other
non-negotiable money |
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Cash in the surgery during opening hours and in
transit, up to £5,000 |
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Cash in a locked safe out of hours, up to £1,500 |
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Company credit and debit cards, up to £500 |
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£100 excess |
Legal Expenses
Protects workers and the surgery up to £25,000
costs, any one period of insurance, for action brought
by a third party.
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Disputes regarding employment contracts |
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Property disputes |
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Prosecution defence costs.
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Tax and VAT appeal costs following an in-depth
investigation by the Inland Revenue or HM
Customs & Excise |
Additional Computer Cover
In addition to the cover provided by the Property
Damage Section you can extend your policy to include:
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Computer
damage or breakdown caused by accidental failure
of electricity or telecommunication services or
by denial of access to your premises |
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The cost of
reinstating software programs or data
accidentally or maliciously erased |
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Increased cost
of working following software erasure |
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Free legal advice
from a team of qualified legal consultants on
any private or commercial matter |
What
does it cost?
The premiums are calculated using your sums
insured and should adequately reflect the contents you
have in your premises. Our advisors will advise you if
any other discounts are available to you and will
provide a quotation the same day where possible. We
monitor our prices against those available in the market
and our aim is to provide you with our most competitive
terms every time.
The premium applicable to your surgery will be
based on the sums insured you provide and your location.
It is essential that you have adequate estimates for
your sums insured. it will be beneficial for you to take
some time to review your surgery and how much it will
cost to replace everything that your practice is
responsible for.
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