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Surgeries_insurance_1Visit a modern medical centre, dental practice or veterinary surgery and the variety of equipment needed to operate effectively is staggering; dental chairs, devices such a nebulisers, defibrillators and sterilisers plus all the specialist instruments. Vets have even more equipment to meet the needs of a wide variety of animals; from scanners and X-ray imaging to dental equipment.

Equipment in modern surgeries is expensive and that is before other items such as computers, phone systems, furniture and security is considered.

Many medical practices have combined into larger health centres to provide a more comprehensive service to patients. The result is a much larger building, more staff and an increase in the number of patients. Minor surgeries and implants can now be done by the most modern medical centres saving trips to the local hospital.

With technological advancements, equipment such as lasers are expected to become increasingly popular with dentists for producing crowns, bridges and models using 3D printing.

Veterinary surgeries or hospitals will be caring for animals in their custody, possibly overnight.
When considering insurance cover, a one size fits all is not going to give you the protection needed for your individual surgery.

Using an experienced broker will give you access to providers who can tailor a policy to ensure you are adequately covered if you need to make a claim so you can recover the full value of a loss.

Tailored insurance for your practice
As well as covering all your expensive equipment and buildings, you will need to consider loss or damage to drugs and vaccines which are often refrigerated.

Because your surgery is used by the general public of all ages, some of which may vulnerable to accidents whilst visiting your building, higher limits of public liability insurance may be needed.

Business interruption insurance
This would cover loss of income if the surgery had to be closed due to fire or flood. It will also cover temporary costs while you get back up and running such as:
  • Additional staff
  • Relocation
  • Security
Cyber Crime insurance
Cyber attacks are particularly high with medical centres and healthcare practices vulnerable to more attacks than most other sectors.

With highly confidential patient records being valuable to hackers who can sell them on the black market, your practice will need cover for a variety of risks that you could be exposed to such as recovering your computer systems, security experts to support your team, compensation claims and managing any negative publicity.

To make sure your surgery is protected from the risks involved in running a busy medical, dental or veterinary practice, call one of our account managers on 0121 321 4600.
Surgeries_InsuranceRunning a modern surgery, whether it’s doctors, dentists, veterinary or any other type is difficult enough without having to worry about adequate insurance cover.

Finding the right insurance policy to cover your surgery should be evaluated with care to make sure you are covered for the right replacement value and risk. Every practice is required by law to have employer’s liability insurance if staff are employed. You should also consider public liability, buildings and contents, business interruption and legal expenses.

Insurance brokers such as CLA can provide advice on property valuation, contents, legal expenses cover and any other insurance you may need such as business interruption.

Public liability insurance
Dealing with the public brings a multitude of risks and any business that is exposed to a claim for compensation should consider this cover a necessity, even though it is not a legal requirement. Defending a claim, even if not successful, can be very expensive.

Surgeries are often a higher risk than most business premises. A constant stream of patients, sometimes vulnerable or animals in pain can present volatile situations. A simple fall in surgery, personal assaults or damage to a patient’s property while on call are typical claims that can be covered.

Often included as part of your business insurance, public liability insurance can also be arranged as a standalone policy. Cover is generally for £5million; however, we recommend surgeries need up to £10 million depending on their local authority’s requirements or business risk.

Other cover can be arranged separately, if needed, for medical malpractice.

Buildings and contents insurance
Valuing your surgery to ensure sufficient cover is available for rebuilding may require an expert valuation to take account of special permanent fixtures you may have installed.

Contents cover will include medicines, vaccines, medical equipment, furniture and personal belongings. You will want to be adequately insured to be able to replace all these items at today’s prices. Regular valuations are recommended to include items brought in temporarily to deal with seasonal requirements such as flu vaccines.

Business interruption insurance
Often overlooked, business interruption insurance can be added to your policy to cover loss of revenue if an insured loss results in your surgery being closed for repairs.

If you experience a fire or flood for example and are unable to open your surgery for months while repairs are carried out, business interruption insurance will cover costs relating to the incident. Closure means loss of income, temporary relocation costs, storage or removal fees which are all covered.
Business interruption insurance will provide the financial support to keep your surgery operating and financially secure while repairs are carried out.

Legal expenses
Always worth considering because legal fees to defend disputes, including tax investigations by HM Revenue and Customs, can be very expensive. We recommend this cover because a single dispute can put a surgery in serious financial distress.

Surgeries Insurance
Insurance for surgeries requires specialist knowledge and experience for dealing with the specific claims incurred by a busy practice. CLA can provide advice and support when it comes to making a claim to ensure you keep your surgery protected to enable you to maintain your service to patients whether human or animal.
Surgery_ClinicNo medical or health professional would advise patients to reject specialist advice in favour of online research. Yet concern is being expressed that practice managers are making vital decisions about insurance without getting proper guidance and support.
Anyone running a modern day vets, doctors, dentists, opticians, or other medical surgery or clinic has an uphill battle to juggle the day to day management. A multitude of surveys point to rising running costs, increased red tape and the headaches caused by electronic record systems as being the top three concerns. This could well be leading many medical practice decision-makers to opt for the apparent “easy and cheap” option of online insurance policies.
But rejecting specialist advice and support from independent local insurance brokers like us can leave
medical surgeries and clinics exposed to potentially terminal consequences. We work closely with clients in
this sector to take into account all aspects of your operations, including any special considerations that
come from your location. We also look at the numbers of staff you employ, their “field of operation” such
as whether they work outside the surgery as well as inside, and the potential risks they face and the types
of equipment you specifically use.
With this clear picture, alongside extensive industry knowledge and well established contacts in the UK
insurance market, we can research the right policies, with correct levels of cover, as well as finding highly
competitive premiums. This will ensure you have effective cover for your buildings and contents including
loss or damage of medical equipment, refrigeration failure, money kept on the premises, locks and keys,
and glass or sign replacement.
But we could also make sure you have the right protection against business interruption, employee
sickness, and the costs of bringing in locums. It’s likely that much of your work is based on electronic
records – so if you lost all your data for any reason, does your insurance sufficiently cover you to get back
to business quickly and without losing patients?
One of the most worrying aspects of running medical surgeries and clinics is the ever present threat of a
lawsuit. Employers and public liability cover will protect you against such things as accident and injury to
employees and patients while they are on your premises. But specialist professional indemnity and specific
legal expenses cover needs to be added to the mix to guard against potentially crippling claims for
compensation and court costs.
We can pinpoint the right level for all these sorts of insurance, to make sure you are not paying for cover
you don’t need, as well as ensuring there are no gaps or cracks to trip you up. Then if you do ever need to make a claim, we are local, accessible and responsive. No haggling with faceless call centres, we can start
processing your claim as soon as we receive it.
We can take over all the hassle and paperwork to help bring the claim to settlement swiftly, leaving you
free to carry on juggling all the other challenges you face each day. So bringing in the appropriate
specialist with the right diagnostic skills, could be vital to the wellbeing and health of your surgery.

02B80352There aren’t many organisations that can claim that growing demand for their services means they may go out of business!

Doctor’s surgeries throughout the UK are facing increasing numbers of patients – not least due to the ageing population – but a growing shortage of health care professionals mean they are having to cut services and in some cases turn patients away.

One practice in Norfolk hit the national headlines when it was forced to de-register 1,500 patients, including a 95-year-old woman. And the problem could get worse.  According to Health Education England, the number of people entering training to be a GP is “the worst ever”. One of the worst hit areas is the Midlands. The British Medical Association has released figures which show almost 40% of GP trainee posts in the East Midlands, including in Derbyshire, have not been filled this year. Average waiting times for GP appointments look set to go over two weeks, according to recent GP surveys.

Dr Richard Vautrey, deputy chair of the British Medical Association’s GPs’ committee, told Pulse magazine: “This worrying shortage of GPs will only exacerbate this crisis and could leave us in a situation where there are simply not enough GPs to cope with the number of patients coming through the door.”

Practice nurses are feeling the brunt of the problem, as their workload and range of support increases to cope with the GP shortage. And controversy is raging in Scotland where NHS managers and GP leaders have revealed plans to cope with the GP shortage by diverting patients to call centres and to nurses who will assess priorities before issuing appointments.

Mounting pressure on Doctors’ Surgeries and health care professionals in general means that one vital part of their “toolbox” is up to date insurance that covers them for all risks.

It is not just professionally crucial to keep indemnity insurance up to date. With funding battles and red tape tying up practice managers the length and breadth of the UK, it is also important to ensure other forms of insurance are “fit for purpose”.

Fortunately, one thing not in short supply is specialist insight and high levels of service from specialist brokers such as us. Local, independent and with experience in arranging insurance for health professionals and medical surgeries, we can work with you to ensure your insurance is at least one area of your professional life not causing you headaches.