Surgery Insurance

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What is Surgery Insurance?

A Surgery insurance policy is there to make sure that your medical practice’s premises are covered. Protection can include cover for disasters such as a flood, fire, accidents, acts of vandalism and burglary. Running a surgery or clinic comes with inherent risks to staff and patients, and as such is an essential environment to protect with the right level of insurance.

The correct level of protection is crucial, and failing to have adequate cover in place is not a mistake you can make. The financial impact of unforeseen events can be devastating, anything from broken medical equipment to a fire could cause your business to have to close. Those that are not covered correctly are at risk of folding.


What does Surgery Insurance Include?

Not all surgery insurance policies will provide the same level of cover, so it’s important not to be swayed by a lower premium cost at the cost of less cover. 

A surgery insurance policy should typically include:

  • Buildings insurance (if required)
  • Tenants Improvements
  • Contents insurance, including cover for medical equipment
  • Stock
  • Business interruption
  • Public liability
  • Employer’s liability cover
  • Legal Expenses

Anything that is not part of the fabric of the building is considered contents.

Tenants Improvements are important for leaseholders, who have spent money on a fit-out on the execution of their lease and cover will respond in the event of damage. Things to consider; glass partitioning, new flooring and air conditioning. Standard contents will not be inclusive of these items. 

All surgeries and clinics will have unique features that may not be covered by generic policies, so your surgery insurance should be bespoke to you. 

Anything from artwork to the glass in your windows may be a part of your business, and many policies will not offer cover in an area you may deem vital. We can help identify any key areas of risk and find surgery insurance solutions based on these requirements. 

We always recommend a business interruption policy within your surgery insurance. This will cover any losses whilst you are unable to trade from the premises due to damage. 


Who requires Surgery Insurance?

There are a great number of businesses that require surgery insurance and can benefit from this type of cover. We can help identify the best surgery insurance solution for:

  • General Practitioners (GPs)
  • Dental Practices
  • Osteopaths
  • Chiropractors
  • Physiotherapists
  • Psychiatrists
  • Veterinary Practices

The nature and size of such businesses vary widely, and as such the level of cover required needs to be adapted as such.

If you’re unsure what protection your business may need get in touch with us today. Our expert brokers have a wide range of experience in getting the ideal surgery insurance solutions in place, giving peace of mind and keeping businesses safe from common claims.


If you’re interested in Surgery Insurance, please fill in the form below with your contact details and we’ll get back to you as soon as we can.

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