Does Practice Insurance cover Liability?

Owning or managing a healthcare practice can be a complex undertaking. Alongside the day-to-day running, there are aspects such as insurance coverage to consider. Lloyd & Whyte have over 20 years’ experience in helping a wide range of healthcare practices and clinics obtain the appropriate and correct level of insurance coverage, which can help to protect your practice in the event of damages to buildings, contents & equipment, interruption to business, online operations, and even claims from third parties.

Medical Practice Insurance explained

Medical Practice Insurance provides comprehensive protection for healthcare professionals and clinics against the wide range of risks they face in day-to-day activities. Combining several key covers, including a wide range of protections ranging from Buildings & Contents Insurance to Public Liability Insurance and Employers Liability Insurance, and many others covering your practice should the unforeseen occur.

As key covers, Medical Practice Insurance includes Public Liability Insurance, which protects against claims from patients or visitors who suffer injury or property damage on your premises, and Employers’ Liability Insurance, while being a legal requirement if you employ staff, insures your practice against claims from employees as a result of workplace injuries or illnesses.

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Does Practice Insurance cover Public Liability?

At Lloyd & Whyte, our comprehensive Practice Insurance policy is designed to protect your business from a wide range of liabilities, including Public Liability and Employers’ Liability, ensuring your practice has cover in place should claims arise from patients, staff, or third parties.

We work closely with professionals across healthcare and other sectors to tailor policies that meet regulatory requirements and reflect real-world risks. Whether you need visitor accident insurance at your medical practice, or staff injury Employers’ Liability (EL) Insurance, we can provide coverage which offers financial protection and expert guidance to support you.

Public Liability for clinics & practices

Public Liability Insurance for clinics (including veterinary, dental, chiropractic, optometry, and GP clinics/practices) protects your business if a patient, visitor, or member of the public is injured or their property is damaged due to your clinic’s activities. It is basically, clinic insurance for on-site accidents. It covers legal costs, compensation claims, and associated expenses, helping safeguard your clinic’s finances and reputation.

For example, if a patient slips on a wet floor or a visitor’s property is accidentally damaged, practice insurance will look to cover costs incurred from a resulting claim. This cover is essential for any clinic interacting with the public, ensuring peace of mind and compliance with professional standards while allowing you to focus on patient care.

Employers’ Liability cover for medical practices

Employers’ Liability Insurance looks to protect your practice in the event that an employee becomes ill or injured as a result of working at your practice. Claims of this nature look to cover legal costs, compensation, and associated expenses for continuous ongoing care. In the UK, it is a legal requirement for most employers, ensuring employees are protected and businesses remain compliant.

For clinics, it might cover scenarios such as a nurse developing a repetitive strain injury or a receptionist slipping on-site. This insurance provides essential financial protection, helping employers meet their duty of care, legal obligations, and maintain a safe, responsible working environment for all team members.

Does Employers’ Liability Insurance cover agency and locum staff?

Employers’ Liability Insurance may cover in the event of injury to your agency and locum staff, but it depends on the contractual relationship you have with them. If the agency or locum is under your direction, supervision, or control, your practice could be considered their employer for insurance purposes, making Employers’ Liability cover necessary.

However, if they are contracted and insured independently through their agency, your policy may not apply. It is essential to clarify arrangements with agencies and check with your broker to ensure your Employers’ Liability cover will cater for all temporary, locum, and self-employed staff to avoid gaps in protection and remain compliant with legal requirements.

Insuring a medical practice can be a complex process. Our insurance advisers are here to provide you with suggestions and guidance around taking out a policy that will cover you for a range of insured events. From Public Liability to Buildings Insurance, we can cover multiple aspects of your business and provide ongoing advice and care so that you can focus on taking care of your patients. To protect your medical practice with tailored insurance, contact Lloyd & Whyte today.

To discuss protection for your healthcare practice, please contact our team of experts today.

For Vets, Dentists, Chiropractors 

For GPs, Optometrists, Pharmacists

Lloyd & Whyte® Ltd are authorised and regulated by the Financial Conduct Authority. Registered in England No. 03686765. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Calls may be recorded for use in quality management, training and customer support.