GP Surgery Insurance

GP Surgery Insurance is described as the lifeline of your business—when things go wrong, it’s there to put things right. It is essential for protecting a GP surgery/medical practice from a range of risks and liabilities.

Cover can include protection for the surgery premises and contents (e.g., damage from fires, floods, theft and vandalism), Public Liability, Business Interruption, and cover for medical equipment (e.g., breakdown or accidental damage).

By taking the time to get to know your business, the appropriate level of protection can be arranged for your requirements.

This includes 30 years’ experience working with healthcare practices, Chartered Insurance Broker status, and experienced in-house dedicated claims support.

Yes—premises and contents cover is highlighted as a primary benefit, protecting against damage from events such as fire, flood, theft and vandalism.

Business Interruption cover compensates the practice for lost income if the surgery is forced to close temporarily due to a covered event, helping maintain financial stability during unexpected disruptions.

The example given includes a generous 24 month indemnity period, meaning loss of earnings and extra expenditure could be covered for up to two years after the incident.

In the example provided, following an arson attack causing substantial structural damage and loss of contents, the practice could use a Mobile GP Surgery while investigations and repairs were carried out, allowing them to continue seeing patients.

It protects the practice from legal claims arising from incidents like patient injuries on the premises or alleged malpractice, and can cover legal expenses—supporting the practice’s financial stability in the event of lawsuits or compensation claims.