Medical malpractice claims and the costs of defending them are steadily on the rise, making litigation a key exposure in this sector. In addition, even following the successful defence of a case, few legal systems allow those defence costs to be reclaimed, leaving healthcare organisations and professionals vulnerable to the financial burden. That’s why our medical malpractice policy provides well-rounded, bespoke cover supported by expert underwriters who truly understand this field. Features include:
MEDICAL MALPRACTICE AND PROFESSIONAL INDEMNITY
We recognise the contractual and legal framework in which healthcare organisations and professionals operate and have designed our product to provide clear, unambiguous cover for claims made against you for injury that stem from your clinical or healthcare business activities.
COURT ATTENDANCE COSTS
The costs of attending court in relation to a claim or loss covered by our policy can be expensive for your business. That’s why we provide cover for these costs through a daily allowance and pre-agreed sub-limit.
COMPREHENSIVE BRAND AND REPUTATION PROTECTION
In the event of you being subject to negative media attention which could cause harm to your reputation or brand, it is essential that this poor publicity is averted or mitigated quickly. Up to a specified sub-limit, we will pay the costs of retaining the expert services of specialist public relations consultants to counter this publicity, providing support when you need it most.
CYBER AND PRIVACY
Healthcare organisations and professionals hold a large amount of highly sensitive data. Our cyber and privacy cover protects you against a variety of cyber-attacks and data loss scenarios, which are becoming increasingly commonplace. This add-on cover also includes loss or breach of data held in the cloud, cyber extortion, and hack attacks on third parties emanating from your computer systems.
Public liability is integral to any healthcare organisation or professional in their dealings with clients and members of the public. This extension helps cover compensation costs and legal expenses, including the claimant’s costs and expenses, should a third party bring a claim against you for injury that does not stem from the provision of medical services, or property damage.
A legal requirement for any employer operating in the UK, employers’ liability cover protects against the cost of claims arising from employee injury or occupational illness as a result of their work for you. For ease, this crucial line can be added to your policy with us.
LEGAL EXPENSES COVER
Our optional legal expenses cover provides defence costs in the event of criminal prosecutions, such as corporate homicide or assault, and employment or contractual disputes. We also cover the costs of an appeal where you have lost your licence to practice against a statutory notice, including those under the Health and Safety Work Act.
We understand that every healthcare organisation is different and a one-size-fits-all policy may not be appropriate for you. Our medical malpractice team has a wealth of experience and we are able to tailor the policy cover to meet your specific business needs.