Frequently asked questions

Medical indemnity cover will protect you against potential costs and damages you may become legally liable to pay arising out of any insured treatments you provide or advice you give to patients.

If you run a legally incorporated limited company or partnership you must purchase your insurance in the name of that business, as a corporate policy. This cover extends to protect the company as well as its employees and partners, subject to them being specified on the policy.

It is important to note that employees or partners specified on a corporate policy will not be covered for treatments they carry out in their own capacity for which they receive personal earnings. In this case, they they should consider their own separate private policy.

Medical indemnity insurance policies are not premises specific, they are underwritten on a territorial basis. If you offer a mobile service, or have contracts with various clinics and salons, your policy will not restrict you trading from other premises.

In the majority of cases a new treatment can be added to your existing policy, providing that we cover this. To add a new treatment to your policy you will need to provide, a copy of the training certificates, written confirmation that you have no outstanding claims for this treatment and the additional income you will generate.

Your policy does not automatically provide training cover unless it is specifically stated on your policy. You will need to make an application for this cover where additional premiums and terms and conditions will apply.

The return premium will be calculated on a pro rata basis. However, you will be charged a cancellation fee. You will still require cover for any treatments that you have previously carried out as claims can be raised for up to three years post treatment.

You will have the option to renew your policy with us, or transfer your insurance to a new provider. If you have stopped trading then you should consider run-off cover to protect yourself against any claims made up to three years after treatment.

A policy extension that provides protection for treatments performed before the policy cancellation, as claims can be raised for up to three years post treatment. This doesn’t cover any new treatments.

This covers treatments carried out under a previous insurance policy. Some providers may offer this at no additional cost for the past year, however it is not always included as standard so check your policy details carefully.

Bodily injury is defined as any physical or mental injury, illness, disease or death of any patient caused by any negligent act, error, omission or any advice you provide to the patient.