A malpractice related claim can have severe financial and reputational consequences.

As a medical professional, you work under significant threat of facing lawsuits for alleged medical malpractice. One wrong diagnosis can lead you in a world of pain.

Because your job as a medical professional can involve many risks, you should make sure you have a robust cover against these risks. Getting sued for medical malpractice would be seriously damaging, to both your reputation and personal financial wellbeing.

That’s why it’s important for you to carry medical professional liability insurance. Use an experienced broker to get the quality cover you need. Use our services.

In the event of an allegation of negligence or a lawsuit, medical malpractice insurance will cover expenses, including defence attorney fees, court costs and any settlements or judgments.

Everyday physicians and other healthcare professionals face the risk of legal action being taken against them in respect of their professional liability. The indemnities that may be made as a result of a successful claim can be huge but even the legal costs of defending the most spurious claim can cause severe financial hardship.

This insurance is designed to protect you from suffering financially if you make a professional mistake. Even if you do not make a mistake, this insurance protects you when patients claim that you did. Do not forget – the peace of mind is something which you cannot put a price on.

The most common causes for a medical malpractice case are the following:

  • Failure to Diagnose – When a competent doctor would have diagnosed the patient faster or come to a different diagnosis than the at-fault doctor, the patient may suffer injuries. Therefore, the physician was negligent for failing to diagnose on time or diagnose the proper condition.
  • Improper Treatment – When a physician treats a patient using a method or medication that other competent physicians would not use, and the patient is harmed, it is malpractice.
  • Failure to Warn of Risks – Physicians are required to tell their patients of any known risks that come from treatment, medication, or proposed treatment plan. Only then can a patient indeed consent to that plan. If the patient is not fully informed and suffers an injury, the physician is negligent because they breached their duty to receive informed consent.

An important choice for your professional liability insurance is the limit of liability. The limit of liability is the maximum that the insurance company will pay in the event of a claim. The higher the limit of liability, the higher your insurance premiums will be.

When purchasing a professional liability policy, you also should consider the deductible associated to the insurance product. The deductible is the amount of a claim you are responsible for paying before the insurance company’s coverage takes effect. Deductibles are a form of risk sharing and provide a financial incentive for you to take actions to reduce the risk of professional indemnity claims.

  • Provide you with free and impartial specialist advice concerning risk management and cover options
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