Surgery Insurance
Surgery Insurance is a specialised policy designed to protect medical practices, dental surgeries, and other healthcare facilities from the unique risks they face. This insurance covers a wide range of potential issues, including property damage, equipment breakdown, legal liabilities, and loss of income due to unforeseen disruptions. Becks Insurance Brokers in Brighton offer tailored Surgery Insurance solutions to ensure your practice is fully protected, allowing you to focus on providing quality care to your patients.
Comprehensive Cover for Medical Practices
Running a medical or dental surgery involves significant responsibility and a range of risks. From the safety of your patients to the security of your medical equipment, Surgery Insurance provides comprehensive coverage that safeguards your practice against unexpected events. Whether you're a general practitioner, dentist, or specialist, this insurance is essential for protecting your premises, staff, and professional reputation.
Features and Benefits
Buildings and Contents Cover: Protects your surgery’s premises and contents, including medical equipment, furniture, and fixtures, against risks like fire, theft, and accidental damage.
Medical Equipment Cover: Covers the repair or replacement of essential medical and dental equipment if it’s damaged, stolen, or breaks down, ensuring minimal disruption to your practice.
Public Liability Insurance: Provides cover for legal costs and compensation if a patient or visitor is injured on your premises, protecting your practice from costly claims.
Employers’ Liability Insurance: Mandatory if you have staff, this covers claims made by employees for work-related injuries or illnesses.
Professional Indemnity Insurance: Protects against claims of negligence, errors, or omissions in the medical services you provide, safeguarding your reputation and finances.
Business Interruption Cover: Offers financial compensation if your practice is forced to close temporarily due to an insured event, such as a fire or flood, helping you cover lost income and ongoing expenses.
Cyber Risk Cover: Protects your practice against cyber threats, including data breaches and cyber-attacks, which are particularly relevant in managing patient records and confidential information.
What is Typically Covered?
Surgery Insurance typically provides coverage for a wide range of risks associated with running a healthcare practice. Typical cover might include:
Buildings and Contents: Protection for your surgery’s premises and the contents within, including medical and dental equipment, furniture, and fixtures, against damage or loss.
Medical Equipment: Covers the cost of repairing or replacing essential medical equipment that is damaged, stolen, or breaks down.
Public Liability: Protection against claims made by patients or visitors who are injured on your premises.
Employers’ Liability: Required by law if you employ staff, this covers claims made by employees for injuries or illnesses sustained at work.
Professional Indemnity: Protection against claims of negligence, errors, or omissions in the medical or dental services you provide.
Business Interruption: Compensation for lost income and ongoing expenses if an insured event forces your surgery to close temporarily.
Cyber Liability: Covers the costs associated with cyber-attacks, data breaches, or the loss of sensitive patient information.
Exclusions might include general wear and tear, damage caused by improper use, or claims arising from activities not disclosed in your policy. The specific terms and conditions will vary depending on your practice’s needs and the insurer. Becks Insurance Brokers will work with you to tailor your Surgery Insurance policy, ensuring comprehensive protection that suits your specific requirements.
To protect your medical or dental practice against potential risks, book an appointment with one of our specialists here or arrange a quotation here.
