Frequently Asked Question
Do doctors and dentists need individual professional indemnity insurance?
Yes. Medical doctors and dentists should have their own individual professional indemnity insurance under their personal name.
Individual professional indemnity insurance protects the healthcare professional against claims arising from their own professional services, negligence allegations, legal defence costs, and compensation claims.
If I already have individual indemnity insurance, does my clinic still need insurance?
Yes. Your individual indemnity insurance protects you personally, but it does not automatically protect the clinic as a business entity.A clinic should have separate insurance to protect its premises, equipment, staff, and liabilities arising from clinic operations.
What is the difference between individual indemnity insurance and clinic insurance?
Individual professional indemnity insurance protects the doctor or dentist personally for claims arising from their own professional practice.
Clinic insurance protects the clinic business and can include property damage, public liability, and malpractice claims involving clinic employees such as nurses, medical assistants, dental assistants, and other support staff.
What types of clinic insurance are available?
Our clinic protection consists of two main covers:
Clinic property cover (fire & public liability insurance) – protects the clinic premises, equipment, furniture, renovations, and liabilities involving third parties.
Clinic malpractice cover – protects the clinic against malpractice claims arising from the actions of nurses, medical assistants, dental assistants, and other clinic staff.
What does clinic property cover protect?
Our clinic protection consists of two main covers:
Clinic property cover (fire & public liability insurance) – protects the clinic premises, equipment, furniture, renovations, and liabilities involving third parties.
Clinic malpractice cover – protects the clinic against malpractice claims arising from the actions of nurses, medical assistants, dental assistants, and other clinic staff.
What is public liability insurance?
Public liability insurance protects your clinic against claims from third parties for bodily injury or property damage occurring in connection
with the clinic premises or operations.For example, if a patient slips and falls in the clinic waiting area, public liability insurance may help cover legal liability and compensation, subject to the policy terms.
What is clinic malpractice cover?
Clinic malpractice cover protects the clinic against claims arising from professional errors or omissions committed by employees, including nurses, medical assistants, dental assistants, and other clinic staff acting within the scope of their duties.
Does clinic malpractice cover protect the doctor or dentist?
Clinic malpractice cover is primarily intended to protect the clinic and its staff. Each treating doctor or dentist should still maintain individual professional indemnity insurance, which protects them personally for professional negligence claims.
Are nurses, medical assistants, and dental assistants covered under the doctor’s or dentist’s indemnity policy?
Not necessarily. A doctor’s or dentist’s individual professional indemnity policy generally protects the insured healthcare professional personally.
Claims arising from the negligence of nurses, medical assistants, dental assistants, reception staff, or other employees may require separate clinic malpractice coverage.
If my staff makes a mistake, will the clinic be protected?
Yes. That is the purpose of clinic malpractice cover. It helps protect the clinic against claims arising from the professional actions of insured employees, subject to the policy terms, conditions, and limits.
Is clinic insurance mandatory?
Professional indemnity insurance for doctors and dentists is generally required for professional practice.While clinic property and liability insurance may not always be legally mandatory, they are strongly recommended to protect the clinic’s assets, business continuity, and exposure to liability claims.
Can I buy only one type of clinic cover?
Yes. Depending on your clinic’s needs, you may purchase property/public liability cover, clinic malpractice cover, or both.However, most medical and dental clinics benefit from having both covers for more comprehensive protection.
What is the advantage of having both clinic covers?
Having both covers provides broader protection:
Property cover protects your clinic premises and assets.
Public liability cover protects against accidents involving patients and visitors.
Clinic malpractice cover protects the clinic against staff-related malpractice claims.Together, they help safeguard both your clinic operations and your financial exposure.
What is not covered by clinic insurance?
Coverage depends on the policy wording, but common exclusions may include intentional acts, fraud, criminal acts, contractual liabilities not covered by the policy, and claims outside the scope of the insured cover.
The treating doctor’s or dentist’s personal professional liability should be covered under an individual indemnity policy.
How much clinic malpractice cover should I have?
The appropriate limit depends on the size of your clinic, number of doctors or dentists, number of staff, procedures performed, patient volume, and contractual requirements.
Our advisors can help recommend a suitable coverage limit based on your clinic’s risk profile.
Can a clinic with multiple doctors or dentists be insured?
Yes. A clinic can obtain clinic property and malpractice coverage for the business entity, while each doctor and dentist should maintain their own individual professional indemnity insurance for personal professional protection.
Can specialist clinics be covered?
Yes. Our clinic insurance solutions can be tailored for GP clinics, specialist medical clinics, dental clinics, aesthetic clinics, and other healthcare practices, subject to underwriting approval and policy terms.
How can I get a quotation?
You can contact MRCM Services for a customised quotation based on your clinic size, number of doctors or dentists, number of staff, and the procedures performed at your clinic.