GP Surgery Insurance

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Tailor made cover packed with features and benefits for doctors, dentists, opticians, and vets

Giving your business the protection it needs, our surgery insurance team will tailor a range of policies for you, offering cover for buildings and contents, deterioration of drugs and vaccines, business interruption and theft, employers' and public liability and added protection for legal expenses you incur.

Surgery insurance features

  • All risks cover for loss or damage to contents
  • Full accidental damage cover, including damage to exterior and interior glass
  • Full theft cover, without the need for forcible and violent entry to the premises
  • Option to add all risks cover for medical equipment
  • Business interruption
  • Money, including personal accident (assault)
  • Employers' liability with a £10 million limit of indemnity
  • Public liability with a standard limit of indemnity of £5 million, with higher limits available
  • Deterioration of refrigerated drugs and vaccines
  • Legal expenses protection - covering costs and expenses for contract disputes and compensation claims up to £250,000
  • A wide range of standard and optional extensions that can be tailored to meet your individual needs
  • Access to a range of added value services including online production of health and safety plans, business continuity plans and telephone help lines providing legal and health and safety advice and employee counselling
  • A range of quotes from our panel of leading insurers


We offer locum insurance for your practice to cover partners, salaried GP’s, dentists, managers and nurses

Staff absence can seriously disrupt your practice so the security and peace of mind of this insurance can help ease the challenge. We provide a financial benefit to pay the practice overheads for other staff, to cover or to hire a locum, leaving you to focus on delivering care to your patients.


Locum insurance features

Locum insurance offers a wide range of excess and benefit options, giving you complete flexibility to tailor the cover to your specific needs and allowing you to have more control over how best to manage staff absence in your practice.

You can choose a policy that provides cover for a wide range of eventualities that can cause staff absence including jury service, accidents or illness, maternity and paternity leave, or disciplinary suspension by a regulatory body. Or you can choose a policy that pays a financial benefit, giving you complete flexibility to deal with the financial implications of staff absence.

Our policy covers the following as standard:

  • Choice of excess levels - zero to 13 week deferment periods
  • Capital and death benefits up to £100,000
  • Reimbursement of 'waiting period' following an accident
  • Cover assurance - we will renew your policy regardless of your claim history

The policy provides protection if an insured member is unable to work due to:

  • Jury service - for up to 4 weeks
  • Accident or illness anywhere in the world
  • Family illness
  • Adoption or paternity leave
  • Winter sports
  • Pregnancy related illness (plus you'll also receive a one-off £5,000 payment once your staff member returns to work following maternity leave)
  • Stress and/or depression
  • Suspension by the GMC, Trust or other regulatory body

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