Healthcare professional insurance

Specialist insurance for a whole range of self-employed healthcare professionals, including nurses, technicians, carers and complementary therapists. It covers medical malpractice, professional indemnity and public liability - all in one policy.

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Comprehensive cover for healthcare professionals

We’ve developed this cover specifically for healthcare professionals. It is designed to protect you against a broad range of risks associated with treating patients. A 3-tiered protection that includes medical malpractice, professional indemnity and public liability insurance, plus a range of key extensions added to this policy as standard.

What does healthcare professional insurance from Digital Risks include?

Medical malpractice

Working in the healthcare sector comes with lots of responsibility. Our healthcare professional insurance protects you against allegations of medical negligence in the treatments or advice you provide, such as misdiagnosis and physical or mental damage.

Professional indemnity

A hugely important area that is often not included within medical malpractice insurance, the PI component protects you against claims for financial loss caused by errors or omissions in the services you provide.

Public liability

Digital Risks’ healthcare professional insurance also includes public liability. It protects you against compensation claims and covers your legal costs if you accidentally cause an injury to a member of the public or damage their property in the course of your work.

Why choose healthcare professional insurance from us?

Our insurance includes a range of key extensions as standard to protect you from all angles. It will cover your liability for breach of professional confidentiality, defamation, loss of documents, as well as pay for your legal representation at any inquest in relation to an unexpected death.

It also extends to cover Good Samaritan acts away from your place of work and provides unlimited retroactive cover; meaning you would be covered for claims in connection with incidents that happened before you bought the policy, provided that you only become aware of the potential claim after the cover started.

Healthcare professional insurance guide

What is medical malpractice insurance?

Medical malpractice insurance (or med mal for short) covers medical and healthcare professionals for claims alleging a mistake or negligence in the course of their duties.

Claims of medical negligence against healthcare professionals are on the rise, and the repercussions can be extremely serious, including disciplinary proceedings, medical malpractice inquiries and hefty legal and compensation costs. Medical malpractice insurance will enable you to defend yourself and cover the costs involved.

Who is healthcare professional insurance for?

Our healthcare professional insurance is designed for any self-employed medical or healthcare specialist providing care to patients. We cover a very broad range of specialists including carers, dental nurses and therapists, radiologists, opticians, nutritionists, physiotherapists and many more.

Many professional and regulatory bodies will insist that their members have medical malpractice and public liability insurance, so be sure to check this before deciding which type and level of cover you need.

What risks does healthcare professional insurance cover you for?

Medical malpractice insurance protects medical and healthcare professionals against mistakes and omissions that they could make in the course of their work. This includes acts and negligence that result in injury, misdiagnosis, delays in referral and physical or mental harm to the patient.

If a patient claims that they have been injured, misdiagnosed, suffered physical or mental harm, or avoidable delays due to your actions, you could face disciplinary hearings, legal claims and compensation costs. If this happens, medical malpractice insurance will cover the costs and ensure you can defend your case and reputation effectively.

If as a result of the services you provide your patient suffers a financial loss, the professional indemnity section will pick up the expenses related to the claim and cover any compensation you are obliged to pay. Public liability insurance will protect you for any accidental injury or property damage that might happen while you perform your duties, not directly related to your professional services.

Things you can do

Prevention is the best form of defence, so ensure you’re aware of the processes and procedures that can help you to avoid a medical malpractice claim in the first place.

Communicate clearly and sympathetically with patients at all times to avoid giving them any reason to complain. Always keeping a detailed paper trail of advice and treatments provided, so you can refer back to this in the event of an issue. That includes obtaining informed consent for any treatments when required.

Stay up to date with the latest standards to ensure you are fully compliant, and always follow up and ask for feedback from patients and other consultants after treatment, to check there are no potential issues and address any problems as early as possible.

What to watch out for

Some insurers may refuse to cover professionals that have had successful claims or disciplinary action against them in the past. If this affects you, be sure to check this when you’re taking out cover and make your insurer aware if you had any claims.

Medical malpractice and professional indemnity insurance are usually claims-made policies, meaning that they only cover circumstances reported to the insurer within the policy period.

Be aware that these types of policies often only cover incidents happening during the policy period. Our policy, however, includes unlimited retroactive cover, which means that it will cover services you provided before the policy started. So if an incident happened before cover started (which you found out about after it started) it would be covered under this policy.

Another point to check is whether your policy will protect you even for unsuccessful claims. With Digital Risks, you are covered for your legal defence costs, even if the claim is unsuccessful.

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