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Surgery insurance

Why do you need surgery insurance?

We are the appointed insurance brokers to many hundreds of doctors, dentists, and associated healthcare businesses throughout the UK. We recognise that our clients’ needs are continually evolving and so, we have created a suite of insurance products designed specifically for the medical and dental professions. We help to protect you and your practices against perils that your business faces.

  • Tailored for your surgery
    Our specialist surgery insurance team understands the specific risks that surgeries face, including drugs and vaccines, dispensing errors, medical equipment and more.
  • Extended cover
    We can also help to provide cover for the day-to-day aspects of your business, including business interruption, public and product liability, employers’ liability, commercial legal protection and more so that you, your patients and your business are all fully covered in the event of an accident.

    How our specialist surgery insurance experts can help you

    We offer specialist advice and guidance for the care sector to ensure your business is properly protected. We can help you insure your business to cover what matters most and those who matter most to you. With a range of specialities across the team, we are in place to help.

    Who do we cover?

    Our service has been created to cater for the needs of today’s busy practices. Whether you’re a doctor, dentist or practice manager, our wide-ranging policy can be tailored to suit the individual needs of your practice and includes cover for:

    • property damage
    • visiting bags
    • refrigerated drugs and vaccines
    • employee dishonesty
    • business interruption
    • dispensing errors
    • public and product liability
    • employers’ liability
    • commercial legal protection
    • interest-free direct debit facilities.

    Free for all Jelf surgery insurance clients

    All our surgery insurance clients benefit from valuable, free services from our professional advisers:

    • CQC compliance and guidance - phone consultation to support you with compliance and best practice principles in relation to the Care Quality Commission, subject to conditions.
    • Tax and legal guidance - initial phone consultation with expert business partners.


    Efficient claims service

    Should the worst happen and you need to make a claim, our specialist care insurance claims team will be on hand to manage the process from claim through to settlement with minimum disruption to your day-to-day activities.

    We can advise and negotiate claims for you. We also work with insurers closely to ensure outstanding claims are managed efficiently and reserves are challenged. Where necessary, we are able provide our clients with claims data and highlight trends and opportunities for risk management intervention.

    Frequently asked questions

    Q
    What is locum insurance for GP surgeries?
    A
    Locum insurance for GP surgeries and practices protects you in the case of an accident, sickness or absence that affects your business.
    Q
    Does my care business need Employers’ Liability Insurance?
    A
    Yes. Under the Employers’ Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have Employers Liability Insurance.
    Q
    When do I need to get Employers Liability cover for my care business?
    A
    You require employers’ liability cover from the day your care business starts employing staff. From the moment you have any person to whom you are responsible, whether paid or not, you are at risk of legal action. To qualify as "staff" a person does not have to be paid or under contract to you. It includes any person to whom you have a legal duty of care. This means that sometimes even sole traders will need employers’ liability insurance.
    Q
    What is the minimum cover I need to have in place for my care business?
    A
    You are legally required to have cover for compensation of at least £5 million, but most policies will offer cover for £10 million. The cost of your care provider insurance premium is usually based on a number of factors including: the nature of your business; the number of people you employ (and/or the payroll cost); your previous insurance claims. In the case of larger organisations or where a number of employees are in one location, increased limits are recommended.
    Q
    How much Public Liability insurance will I need?
    A
    The level of cover you need is related to the amount of risk faced by your business. Cover can be anywhere from £2m to £10m or beyond. The minimum value could be dictated by the clients you work with, or local authority contracts you have tendered for.