Surgery insurance can give you the peace of mind that your practice is protected against the unexpected. Whether the surgery in question is for vets, doctors, dentists or therapists, our experts can help you compare and find the insurance that’s right for you.
Let's compare surgery insurance
What type of insurance might I need?
From an insurance point of view, surgery-based businesses have certain special needs.
Your practice may store limited-availability drugs such as opiates or refrigerated vaccines, which could be a target for theft. You may well also have specialist medical equipment, which needs to be kept in full working order and up to date as it’s essential to your ability to work.
Any disruption to a surgery-based business can be especially damaging too, as clients rely on your availability. If you have employees, that’s another factor to consider. And of course, you’re likely to have clients coming in and out all day, which has insurance implications too.
So there are several types of insurance that can help protect your surgery:
- Employers liability cover: if you have one or more employees you’re legally required to have this insurance. It covers you if your employees are injured or become ill as a result of working for you.
- Public liability insurance: This can cover you if someone has an accident on your property or is injured as a result of your business activities. With members of the public in and out of your surgery all the time, this is very likely something you’ll want to have.
- Buildings insurance: If you own your surgery, you’ll need buildings insurance. This typically covers the cost of repairing damage to the structure of your building – or even rebuilding it if necessary.
- Contents insurance: Your treatment equipment is at the heart of your business. Contents insurance can cover your kit against theft and damage, as well as protecting your office furniture, computers, filing systems and other business equipment.
- Business interruption insurance: This protects your business if it is impacted by an event, such as a flood, and the business is unable to operate. Buildings and contents insurance covers the physical bits of your surgery, but business interruption acts as the life support that keeps it going while things are being fixed or replaced.
How can I compare my options?
No two surgeries are the same, so it’s important to discuss your needs with an expert. Just give us a few contact details and an insurance specialist will call you back. They’ll discuss the different quotes available from insurance providers, and help you find the most competitive prices for the different kinds of cover you might need for your surgery.