Our Cover In Detail

We offer standard policy extensions that provide the highest level of targeted protection*.

  • AIDS and Hepatitis Non-A
    Liability for claims as a result of AIDS and Hepatitis Non-A.
  • Defence Costs - Payable in Addition to the Limit
    Unlimited defence costs payable in addition to the Limit of Indemnity.
  • Dishonesty of Employees
    Claims caused by the dishonest acts of employees.
  • Errors and Omissions (Not involving bodily injury)
    Liability for third party financial loss arising from professional mistakes, not involving bodily injury.
  • Internet Liability
    Liability for claims arising from advice or information provided via the Internet.
  • Loss of Documents
    Liability for the loss of important documents, which are entrusted to healthcare institutions and professionals in their professional capacity.
  • Public Liability
    Our policies provide legal liability cover for defence of allegations and claims made against healthcare institutions and professionals. The cover provided includes injury, illness, death and loss or damage to property sustained by members of the public, which arises out of businesses activities.
    This extension also provides cover for the following
    • Food and Drink
    • Fundraising Events
    • Personal Effects
    • Ambulances
  • Reinstatement of Limits
    Full or partial reinstatement of the limit of indemnity in the event of a claim.
  • Worldwide Jurisdiction
    Cover for claims made anywhere in the world as a result of medical services or Good Samaritan acts.
  • Breach of Professional Confidentiality
  • Discovery Coverage
    Liability for claims made after the expiry of the policy.
  • Independent Private Practitioners
    Liability of independent private medical or dental practitioners for work performed for healthcare institutions. This extension can be in place of, or as a supplement to maintaining individual medical professional liability insurance.
  • Libel and Slander
    Liability for accidentally defaming others.
  • Medical Practitioners whilst employed by the entity
  • Prior Acts
    Liability for medical services provided prior to the commencement of the policy.
  • Worldwide Jurisdiction (Excluding the USA)
    Cover for claims made worldwide (excluding the USA) as a result of medical services or Good Samaritans acts.

* Please note some of the extensions of cover may not be available in certain circumstances. Please contact us for further information.