Medical Malpractice
Freephone 0870 2241 318
We are able to quote for many sectors of the medical, healthcare and dental professions.
Medical Malpractice or Professional Liability is different to most other insurances in that it operates on what is known as a ‘claims made basis', meaning that the policy will only provide cover for claims or circumstances discovered and notified to the Insurer during the period of insurance.
Professional Liability policies generally contain a Retroactive Date, which is normally the date that the policyholder first effects cover.
Claims or circumstances arising from work carried out before this date are not covered, irrespective of when discovered and/or notified.....it would be inequitable to expect an insurer to pay for claims arising from work undertaken many years previously and for which no insurance was arranged at that time.
However, through Bennett Underwriting Agencies Ltd you will normally be able to ‘buy-back' cover for earlier work for a single, one-off additional premium.
The extent of the cover provided will, as a minimum, normally include:
- Negligent Act, error or omission
- Libel & Slander
•Worldwide Good Samaritan Acts
