Medical Malpractice

Why Birchin?

Unlike many of our competitors, at Birchin we don’t operate a ‘one size fits all’ approach – we understand that each business is unique and requires individual handling.

As an independent broker we have access to a wide range of insurance markets and will always put your needs first, in selecting an insurer not only with competitive terms, but who also understands your risk thoroughly and offers the highest level of security rating.

We are completely impartial and are not tied into placing business with one particular market, allowing us to access a full breadth of offerings.

We can offer cover for Allied Healthcare, Primary Care & Long Term Care facilities, whether you are a small rural practice or a regional sized multi-disciplinary business, our approach is tailored to your requirements.

You will deal with a knowledgeable and experienced team with the skills needed to negotiate the best terms available with our insurance markets.

Minimum Requirements

Our quotations will all be compliant with the minimum requirements of the relevant medical regulatory bodies.

Whilst they advise on their minimum limits acceptable, we would strongly advise you to purchase limits suitable for your own business’ exposure, taking into account the type of work you undertake.

You must take all reasonable steps to ensure that the GBP equivalent limit of indemnity is equal to, or in excess of, the minimum requirements, at inception and renewal of your policy.

Why do you need Medical Malpractice Insurance?

Medical Malpractice claims are primarily handled by the NHS.

Medical Malpractice insurance is a compulsory requirement for medical practitioners working outside of the NHS, with the minimum terms of cover prescribed by the relevant regulatory body.

What does it cover?

Medical Malpractice insurance covers claims made against you or your practice by any patient or third party that alleges a breach of trust or confidentiality, negligence or defamation. Including indemnity for medico-legal work and acts performed under the Good Samaritan Act

The policy covers the cost of defending the claim (whether it has merit or not) any damages awarded, as well as the claimants’ costs.

Cover is provided by A-Rated Lloyd’s insurers on a claims made basis with retroactive cover available.

How to obtain a quotation?

The ideal time to begin the process of obtaining a quotation is around 60-90 days before the renewal date of your existing coverage. You should be sent a proposal form to complete by your existing insurer or broker and we can happily use this completed form to undertake our market assessment for you, or alternatively please drop us an email or give us a call and speak with one of our experienced team, who will be able to discuss your next steps in obtaining a quotation.

If you should have any questions or queries at all, then please reach out to us as we will gladly assist you with every step in the process.