Surgery Insurance
Specialist cover for medical surgeries, dental practices, and healthcare providers — protecting your practice, your patients, and your professional reputation.
What's Covered
Surgery insurance provides comprehensive protection tailored to the unique clinical, regulatory, and operational risks facing medical and dental practices.
Medical Malpractice
Covers claims arising from alleged clinical negligence, misdiagnosis, treatment errors, and failure to obtain informed consent by practitioners and clinical staff.
Property & Contents
Protects your surgery premises, fixtures, fittings, furniture, and general contents against fire, flood, storm, theft, and accidental damage.
Business Interruption
Compensates for lost fee income and additional operating costs if an insured event forces your practice to close or relocate temporarily.
Employers' & Public Liability
Covers claims from staff and visitors — legally required if you employ anyone, and essential for any practice receiving patients and members of the public.
Drugs & Medical Supplies
Covers the cost of replacing drugs, vaccines, medical consumables, and dental materials damaged by fire, flood, theft, or refrigeration breakdown.
Specialist Equipment
Protects high-value clinical equipment such as X-ray machines, dental chairs, ultrasound scanners, and diagnostic instruments against breakdown, damage, and theft.
Compliance & Regulation
Healthcare is one of the most heavily regulated sectors. Our surgery insurance is designed to support your compliance obligations.
CQC Compliance
Our policies are designed to meet Care Quality Commission requirements, with documentation available to support your registration and ongoing inspection obligations.
Data Protection & Cyber
Cyber liability cover to protect against data breaches involving sensitive patient records, with incident response support and ICO regulatory defence costs.
Locum & Continuity Cover
Covers the cost of locum practitioners to maintain your appointment schedule and income if a principal or associate is unable to work due to illness or injury.
Frequently asked questions
Does surgery insurance include locum cover?
Yes. Locum cover can be included to meet the cost of hiring a temporary replacement practitioner if a principal or key clinician is unable to work due to illness, injury, or jury service. This ensures your practice can continue to see patients and generate income while your colleague recovers.
What are the CQC insurance requirements for medical practices?
The Care Quality Commission requires registered providers to hold appropriate insurance, including public liability and — where relevant — employers' liability and medical malpractice cover. Your insurer should be able to provide documentation to satisfy CQC registration and inspection requirements.
Do I need cyber insurance to protect patient data?
Given the volume of sensitive patient data held by medical and dental practices, cyber liability cover is strongly recommended. It covers the cost of responding to a data breach, regulatory investigations by the ICO, and claims from patients whose personal health information has been compromised.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.