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Surgery insurance

Most public servants would agree that working with the public fluctuates between being challenging and rewarding. One of the more challenging aspects is the level of vulnerability that comes with the risk of being sued or taken to a tribunal. Sadly, there is even a very real danger of assault.

Also, surgeries often contain expensive equipment and computer systems, on which the records of your patients are stored, and precious medicines and vaccines, with their own storage imperatives. Together with the buildings themselves, these are the elements that are critical to your surgery's success. However, your highest priority is always your patients.

No need to worry about your surgery - it's in safe hands. We offer insurance for surgeries including doctors, dentists, opticians, vets and alternative therapy practitioners.

Whilst the type of patients treated are very different the insurance risks of such practices are remarkably similar. When you call Towergate Riskline, you will deal with knowledgeable insurance professionals who will work with you to efficiently identify your insurance requirements. Using our specially-negotiated facilities we will advise you on a tailored insurance solution providing bespoke cover for your surgery practice.

Key features

• Loss or damage to contents on an 'All Risks' basis
• Option for all risks cover for medical equipment and doctors bag taken anywhere UK
• Glass
• Business interruption
• Money including personal accident (assault)
• Employer's liability - £10,000,000 any one claim
• Public liability - £2,000,000 any one claim - higher limits available

Options

• Buildings
• Book debts
• Deterioration of refrigerated stock of medicines

Excesses

• From £250

Key exclusions

• Professional negligence
• Where cover is arranged on an 'All Risks' basis exclusions will apply for example corrosion, rust, electrical mechanical breakdown, depreciation, wear and tear, gradual causes, damage whilst items are being cleaned, repaired altered adjusted or maintained (this list is not exhaustive)
• War, invasion or act of a foreign enemy
• Employee dishonesty (unless this option is added to your policy)
• Fraudulent claims

For more information on this surgery insurance please go to the frequently asked questions section.