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Call our teamMIC offer essential insurance coverage for workplace obligations, including Employer Liability Insurance for your employees and Public Liability Insurance for visitors to your premises. Our Surgery Insurance policy includes £10 million Employers Liability and £5 million Public & Products Liability as standard, with the option to increase Public & Products Liability if needed. Alternatively, you can opt for a separate policy with the same coverage for added convenience. If higher limits are required for your Public/Products Liability insurance, we provide excess layer policies that supplement your primary coverage, allowing total limits up to £25 million to meet regulatory standards such as the new schedule 9 requirements in PCT contracts.
A regulatory requirement if you employ people within the workplace is to hold Employers Liability insurance, and if you have people entering your premises in connection with your work then you need to cover this as well with Public Liability Insurance.
We can offer this type of insurance either within our Surgery Insurance policy or seperately. The Surgery Insurance scheme can provide £10 million Employers liability and £5 million Public & Products Liability as standard, with the option of increasing the Public & Products Liability if required.
The seperate policy can provide the same coverage as that describe above, but within its own policy if this is more convenient to you.
If you require higher limits for your Public/Products Liability insurance this is not a problem, as we can provide what is known as an excess layer policy that sits behind your primary policy with us. This excess layer facility can increase your total limit up to £25 million for Public/Products Liability, a common figure requested from clients to be in line with the new schedule 9 requirements in PCT contracts.
If you would like to submit an enquiry relating to standalone or excess liability insurance then please click the ‘Request Quote’ link above or you can contact us directly.
The cost of Employers’ Liability Insurance can vary significantly based on several factors. Here’s a general overview:
For the most accurate and tailored quote, businesses should contact MIC who can assess their specific needs and provide a detailed estimate.
Employers’ Liability Insurance is a type of insurance that provides financial protection for employers in the event that an employee makes a claim for injury or illness sustained while working. This coverage is essential for businesses to protect themselves against the financial risks associated with workplace accidents and illnesses.
Public and Products Liability Insurance are two distinct but often complementary types of insurance that provide protection against various liability risks faced by businesses. Here’s a detailed explanation of each:
Public Liability Insurance covers businesses against claims for injury or property damage made by third parties (e.g., customers, clients, or members of the public) due to the business’s operations or activities. This type of insurance is essential for managing risks related to interactions with the general public.
Products Liability Insurance provides protection against claims arising from injuries or damage caused by products that a business manufactures, sells, or supplies. This insurance is crucial for businesses involved in the production or distribution of goods.
The cost of employer liability insurance in the UK varies depending on factors such as the size of the business, the number of employees, and the level of risk involved in the work.
The legal minimum coverage required by law is £5 million, though many insurers offer policies with £10 million as standard. Insurers will adjust premiums based on claims history, employee numbers, and the nature of the work environment.
The Employer’s Liability Insurance certificate should be kept in a location easily accessible to employees. By law, it must be:
Employers are no longer legally required to physically display the certificate as long as it can be accessed electronically, but they should ensure that staff know where to find it.
For a medical business, the amount of public liability insurance you need generally starts at £5 million and can go up to £10 million or more, depending on the size of your practice and the risks involved. Since medical businesses face higher risks due to patient interactions, it’s essential to have sufficient coverage to protect against claims from members of the public or patients who may suffer injury or property damage as a result of your services.
In some cases, contracts with NHS or private healthcare providers may also stipulate higher levels of coverage, so it’s worth checking any specific requirements for your industry.
The amount of public liability insurance needed for a medical business typically ranges from £5 million to £10 million.
Public liability insurance in the UK is a type of insurance designed to protect businesses against claims made by members of the public for injury or property damage that occurs as a result of the business’s operations. This insurance is essential for businesses such as medical practitioners, that interact with the public, as it covers legal costs and compensation payments associated with such claims.
Public liability insurance is essential for a wide range of businesses, particularly those that interact with the public. Medical practices, clinics, and any professionals interacting with patients should also consider this insurance to cover potential claims related to patient interactions.
Medical Insurance Consultants Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 309026.
We are committed in providing a first class service to all our clients, not just when you take out a policy, but throughout the life of your policy. We make sure that you have the support and advice needed when it comes to claiming.
We have been operating for over 30 years specialising in the insurance needs of healthcare providers and professionals. Our aim is to continue to develop, innovate, improve and reduce the cost of insurance for all our clients and future clients.
Let us provide you with a quote and you can see the benefits for yourself
Call our teamWe are able to provide insurance products specifically for GP Practices, Consultants Private Practice, Dental Practices, Private Clinics / Hospitals, Veterinary Practices and other healthcare professionals, such as Chiropractors, Opticians and Care Homes.