Insurance for
Health & Care Sector

The health & care sector has several insurance needs to address the risks and uncertainties associated with healthcare services.

Policies and cover requirements may vary based on factors such as the size and type of the healthcare facility, the services offered, and the jurisdiction in which it operates. It’s important for healthcare organisations to work closely with insurance professionals like us to assess specific risks and insurance needs.


  • Care Homes and Nursing Homes
  • Home Healthcare Agencies:
  • Private Medical Facilities: Private hospitals, clinics, and healthcare facilities.
  • Pharmacies
  • GP Surgeries
  • Health, Wellness & SPA Clinics
  • Dental Practices
  • Opticians
  • Healthcare Technology and Software Providers such as telemedicine platforms and electronic health record systems.
  • Veterinary Service

insurance options for Health & Care Sector:

Professional Indemnity Insurance

This insurance is essential for healthcare professionals, especially those in private practice. It covers legal costs and compensation if a patient alleges that a healthcare professional’s advice or treatment caused harm.

Malpractice Insurance

Healthcare providers, including doctors, nurses, and other medical professionals, need malpractice insurance to protect themselves against claims of negligence or medical errors that result in patient harm. This type of insurance helps cover legal expenses and potential damages.

Public Liability Insurance

Health facilities, such as hospitals, clinics, and long-term care centres, require general liability insurance to protect against claims arising from accidents or injuries that occur on their premises. This cover may include slips and falls, property damage, or other third-party liabilities.

Employer liability insurance

This insurance is essential to cover work-related injuries or illnesses suffered by employees in the healthcare sector. It provides medical benefits and wage replacement for employees who are injured or become ill during the course of their employment.

Property & Equipment Insurance

Health organisations should safeguard their physical assets, including buildings, medical equipment, and supplies, from risks such as fire, theft, or natural disasters. Property and equipment insurance provides cover for these assets, ensuring their repair or replacement in case of damage or loss.

Directors and Officers Liability Insurance

D&O insurance protects the directors and officers of healthcare organisations against claims alleging wrongful acts, errors, or omissions in their management decisions. It provides cover for legal expenses and damages arising from these claims.

Business Interruption Insurance

Health organisations heavily rely on their operations running smoothly. Business interruption insurance provides cover for financial losses resulting from unexpected events that disrupt operations, such as natural disasters, fires, or other unforeseen circumstances.

Cyber Liability Insurance

In the digital age, healthcare providers face an increased risk of data breaches and cyberattacks. Cyber liability insurance helps protect against the financial consequences of data breaches, including the costs of investigating and managing the breach, notifying affected individuals, and potential legal actions.

Clinical Trials Insurance

Organisations conducting clinical trials should have insurance to cover potential liabilities and risks associated with the trials.

Legal Expenses Insurance

Provides coverage for legal costs in case of disputes or legal issues.

Your insurance needs may vary depending on your trade, business structure, and location.
Contact us to assess your needs and we will find suitable coverage options for your business.

Contact us