Surgeries carry the usual risks that other premises have to face but with the crucial difference that they are used by large numbers of people who are sick or infirm. This means greater risks of trips and falls, and a need for higher standards of hygiene. Surgeries often store prescription drugs, which can be a target for determined thieves, too.
Miab is a trading style of The Medical Insurance Advisory Bureau Ltd which started up in 2002 to provide General Practitioners with locum insurance. They now provide a wide range of insurance products designed for GPs, dentists, opticians, pharmacists, NHS providers and vets. Their policies are underwritten by Lloyds syndicates as well as leading insurers. Their basic surgery policy covers commercial, liability, staff, and equipment risks but it is flexible and can be extended to cover a wide range of risks including, but not limited to, business interuption; key employee absence; employee dishonesty; and mechanical or electrical breakdowns. They have a claims line that can be accessed 24 hours a day, 365 days a year .
NFU Mutual, which is owned by it's policyholders rather than an investment company, first began by providing insurance services to farming communities but it has since expanded into other areas, including cover for surgeries throughout Britain. They feel that one of their main strengths is a network of more than 300 agencies throughout the country which can provide local knowledge, and their mutuality, which means they do not have to concentrate on making a profit and can instead concentrate on giving a good service. Their standard policy covers contents and stock; business interruption; employers liability; malicious attack; and public, environmental and product liability. Optional extras include cover for buildings, stock deterioration, legal costs, terrorism, business travel and group personal accidents.
Marsh Commercial (previously known as Jelf) claims to be one of the world's leading risk advisors and insurance brokers, and they have a network of more than 50 branches throughout the United Kingdom. Their standard surgery policy includes employers, public and product liability, damage to property, breakdown of equipment, money, employee dishonesty and legal expenses (this is currently limited to those businesses with a turnover of less than £5 million per annum). Customers can decide how much they wish to be covered for for each of these. There is optional cover for personal accident, dispensing errors, business interruption and terrorism and they can help with cyber risks, employment liability issues (such as allegations of wrongful dismissal or sexual harassment), personal liability of management and corporate legal liability, which could cover the defence costs of allegations of regulatory breaches such as health and safety or data protection.
The Wesleyan Group first began in 1841 as the Wesleyan Provident Assurance Society which was first set up by members of Birmingham's Wesleyan Methodist Church to help local factory workers put money aside for sickness and funeral benefits. it is still a mutual society but it now has more than 1200 employees and total assets in the region of £8 billion. Their surgery insurance is designed to protect GPs from risks such as loss, or damage to, drugs or vaccines that are stored in refrigerators; damage to, or loss of, buildings and their contents; business interruptions and subsequent loss of income; liability claims from both third parties and employees; and legal cover for disputes involving contractual issues or tax investigations. If a practice has more than one surgery a group policy can be arranged. An optional extra is emergency assistance for drainage problems, burst pipes, electrical breakdowns, our broken windows and there is an emergency helpline which can be accessed 24 hours a day.
Medical Professional Risk Solutions Ltd is a specialist health and medical brokerage which has recently been taken over by the Howden Broking Group Ltd, part of Howden Group Holdings which has an estimated 8000 employees, and which offers insurance broking and underwriting in over 40 countries worldwide. MPRS claim more than 20 years experience of providing insurance services to more than 1500 medical and healthcare professionals, with a panel of more than 120 insurers to choose from. Risks that can be covered include walk in theft, book debts, refrigerated drugs, buildings and contents, flood and substance, medical bags and equipment, public liability, employers liability, and employee dishonesty.
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