Products - Medical Malpractice

Lloyd's

Medical Malpractice

We have written this class since 2004, and are well-known as a leader of the business focusing primarily on private clinics, hospitals, charities and care homes. We also consider scientific research establishments and associated laboratories aligned to the medical profession. Away from the “entity” risk, we also have a variety of business in the therapy sector including alternate therapists, counsellors, radiologists, ophthalmologists, opticians, first aiders and other individuals that do not buy insurance directly from their medical associations.

Private Clinics and Hospitals
We currently write in excess of 100 clinics and hospitals worldwide with the majority situated throughout Italy. Our aim is to continue to manage out Italian portfolio whilst developing a similar account in other territories where we understand the local law and individual practitioner insurance policy environment, and can work with two or three local brokers on an exclusive project basis. Our current book is as diverse as cardiology, dental, dermatology, oncology, neurology, orthopaedics, physiotherapy, radiology and dementia. We write the gynaecology risks of clinics but apart from few isolated examples, seek to avoid birth exposures. Our account has a mixture of intrusive and non-intrusive risk, from the walk-in consultancy exposures through to heavier end surgery. We write the products to protect the interests of the clinic and its employees whilst ensuring that the individual doctors buy adequate separate insurance. We spend time discussing risk management issues with our policyholders in areas such as appointment and management of doctors, file management, disclaimer content and claims management. We do not write hospitals in the public sector, but are happy to consider private entities that are funded by the public sector.

Charities and Care Homes
Our portfolio includes a number of medical related charities including Royal Colleges and medical research charities. This appetite also includes medical schools and training centres. We can incorporate the medical malpractice coverage within our all-encompassing professional liability charity product (which also includes the Professional Indemnity, D&O and fraud cover), or we can write a specific medical malpractice policy specifically covering the treatment risk. Our Care Home product has been specifically designed to insure the entity against a number of professional and legislative exposures.

Laboratories and Research Centres
We have a number of professional liability products that meet the requirements of laboratories and research entities. Our science product provides a broad civil liability product and is designed to cover all aspects of potential liability arising out of testing, analysis, reporting, consultancy, design and advice. Although we do not write the stand-alone clinical trial product, we insure clients who are involved in the process and provide ancillary services. We have a strong University product which can incorporate not only this technical research exposure but also the more direct medical treatment risk.

products - Medical Malpractice

Medical Malpractice