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Medical Malpractice Insurance
If you operate as a healthcare professional then the correct medical malpractice insurance policy is an invaluable asset. An allegation of clinical negligence can be devastating. In this case even the process of appealing an invalid legal challenge brings with it financial costs and stress. Whilst the fallout of having to deal with the potential affect on your reputation.
At Crosby Insurance we can assist you in obtaining the required level of protection in cases where a medical malpractice claim. Our team of insurance brokers can help you by searching the market and finding the most suitable cover available. Although our goal is to obtain a competitive premium. Besides obtaining the widest cover possible.
If you’d like to learn more about what Crosby Insurance Brokers can do for you then get in touch via phone or email today. Our team member of our expert team will be happy to advise you and ensure you are protected. While operating as a healthcare professional.
Or complete our online quote form!
Free
Medical Malpractice Insurance Quote
What is Medical Malpractice designed to cover from?
Working in medicine guarantees a busy, complex environment. Regardless of experience and competency a healthcare workplace can cause mistakes when treating clients. Medical Malpractice Insurance can assist in covering the costs associated with a claim from a patient.
With the medical sector as broad as it is there are understandably a great number of scenarios where a claim of malpractice could be made. They can include:
- Administered healthcare treatments causing additional physical injury, pain or death
- Treatment resulting in severe mental harm
- Improper recording of medical notes causing future treatments to be administered incorrectly
Cover can often assist in the following areas:
- Legal defense costs
- Additional legal fees
- Settlement costs
What is Medical Malpractice designed to cover from?
For NHS hospital staff operating within their agreed, contracted duties the coverage will be provided by the NHS itself, with various schemes across the home nations. If you operate additional services outside of your agreed NHS duties then an additional cover is likely required to reduce risk of claims.
GPs currently have to acquire their own Medical Malpractice Insurance, although there are considerations being undertaken to create a similar scheme to NHS hospital staff.
For those operating in the private sector, coverage is crucial. We can assist in procuring the ideal coverage depending on your requirements and role, get in touch today to learn more about what Crosby Insurance can do for you.
What does cover on a “Claims Made” basis mean?
Naturally the time period between treatment and a patient making a formal claim of malpractice can be long. Many policies are made on a Claims Made, meaning that you are only covered for the time the insurance starts and ends for any claim.
This means if you took out cover in February and then had a claim from a patient as a result of treatment conducted in January you would not be covered.
If you leave a role and want to ensure that you are still covered for any claims from your previous employment then Run Off cover can help keep you protected.
What does cover on a “Claims Made” basis mean?
While we will endeavour to ensure your policy comes at the best possible premium it’s crucial to balance this with coverage. Our brokers will work with you to understand the level of cover you require and then adapt the most suitable insurance solution to this cost.
How much will my policy cost?
While we will endeavour to ensure your policy comes at the best possible premium it’s crucial to balance this with coverage. Our brokers will work with you to understand the level of cover you require and then adapt the most suitable insurance solution to this cost.
What is not commonly covered in a Medical Malpractice policy?
While this type of protection should be considered crucial for those in the healthcare sector there are common exclusions which providers will not allow claims for. These include:
- Any acts committed while not fit to work, specifically under the influence of drugs or alcohol
- Criminal actions taken while treating patients, including sexual miscounduct
- Administering certain procedures without the necessary training and validation
- Operating as a medical professional outside of the policy’s given company name or premises
- Hospital admin errors, if you are an individual with your own policy then admin errors will fall to the hospital.
These generally are consistent across all providers, but always seek clarity before taking out a policy to understand the full list of exclusions where a claim wouldn’t be allowed.
Why choose Crosby
You may think you want the cheapest medical malpractice insurance you can find, but realise you may not be getting everything you bargained for.
While it’s easy to find cheap insurance, our products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers landowners from claims.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
We protect people we know and care about, and that means we always look for ways to protect you better, including carefully choosing your land insurance policy with the right tenant insurance companies we represent to be both affordable and responsive.
Click on the quote request button now and let our insurance services help you forge the strongest shield possible to help you protect the things you care about most.
Contact us today and enquire about our insurance services
We offer more than just a policy
See what we can do for you today
Free
Medical Malpractice Insurance Quote
We offer more than just a policy
See what we can do for you today
