You need to feel protected working in healthcare – one of the most dynamic and complex industries in the world. Today, it continues to evolve rapidly with a vast diversity of services, dynamic regulatory environments, emerging technology like AI and telemedicine – and growing patient expectations.

Healthcare providers worldwide face a wide range of risks, from medical malpractice claims and patient complaints to regulatory investigations and cyber threats. For example, medical practitioners may face allegations of negligence requiring medical indemnity coverage, while health tech companies or digital health services might encounter data breaches or privacy issues, calling for robust digital health insurance. Healthcare businesses, including care homes and dental practices, also need to consider risks like employee disputes, public liability, and operational interruptions. Working with an expert healthcare risk and insurance advisor like Lockton can help you identify and mitigate these risks, ensuring you’re fully covered with the right insurance protections in place.

Effective risk management is vital for healthcare providers globally, whether you’re a private GP, a dentist or running a digital health or telehealth service. By proactively managing the multitude of risks including patient safety, data security, and complying in full with healthcare regulations, you can reduce the likelihood of incidents that could lead to medical malpractice claims or invite regulatory scrutiny. With comprehensive risk management strategies in place, guided by experienced healthcare risk and insurance brokers, analysts and clinicians, you will often benefit from reduced premiums on your healthcare insurance. This helps protect your reputation, improves patient trust, and gives you the opportunity to reinvest savings back into your practice or healthcare business for growth and development.

Navigating insurance for healthcare can be complex around the world, whether you’re a sole practitioner or managing a large healthcare organisation. That’s where Lockton, as an expert healthcare insurance advisor can help you find the right solutions - one that’s right for your specific needs. We work with leading insurers to offer flexible, tailored cover that protects you, your patients, and your business. Our goal is to provide you with peace of mind, freeing you to focus on delivering excellent care while we take care of your insurance and risk management needs.

Having the right healthcare business insurance is vital because it safeguards your practice from a range of risks including malpractice claims, patient complaints, and regulatory investigations. With comprehensive cover in place, you can concentrate on what matters most - your patients and your practice. We work with you to identify your specific risks and provide customised insurance solutions that not only protect you financially, but also help reduce your exposure to claims - so you can operate with confidence

Medical indemnity and malpractice insurance are essential for any healthcare professional. Whether you’re a doctor, dentist, or consultant, these policies cover civil claims, disciplinary actions, and inquests. At Lockton, we offer bespoke packages that include cover for professional indemnity, public liability, and legal expenses, often at more competitive rates than other providers. That means you can carry on providing quality care to your patients, confident that your career and reputation are safeguarded.

In respect of medical malpractice:

• What is main differences between “claims-made” and “occurrence-based” policies?

Claims-made covers incidents reported while the policy is active.

Occurrence-based covers incidents that happened during the policy period, even if reported later.

It is important to seek expert advice if you change insurers as choosing incorrectly could leave you with gaps in coverage.

Why do I need general / public liability insurance if I already have a medical malpractice policy? Medical malpractice only covers clinical care risks whereas general liability protects against non-clinical events including a patient slipping on your premises.

Our insurance solutions are specifically designed to meet the needs of healthcare providers like you. From bespoke packages for dentists to comprehensive cover for consultants (including 24-hour medico-legal helplines and the potential for significant premium savings), we provide robust support that protects you from a wide range of risks. Our team includes experienced clinicians and legal advisors who understand the challenges you face, allowing us to offer you expert advice and support when you need it most.