Your Medical Malpractice policy is a legal liability insurance that provides cover for claims made against you by a third party arising from a negligent act, error or omission by you occurring in the course of your business and which results in the third party suffering (and being able to demonstrate)
In addition to the basic cover, your policy also provides many other features and benefits. Please refer to the policy wording for full details of these.
The maximum payable in respect of any one claim is the amount chosen by you and shown as the ‘Limit of Indemnity’ in the policy schedule. Unless otherwise stated, costs incurred in the defence or investigation of the claim will be paid in addition to this figure.
Medical Malpractice is different to most other insurances in that it operates on what is known as a ‘claims made basis’, meaning that the policy will only provide cover for claims or circumstances discovered and notified to the Insurer during the period of insurance, rather than errors or mistakes occurring during the period of insurance.
Limit of Indemnity £1,000,000 per member
Excess applicable £100
This is a bespoke policy for SWA Members the cost of the Insurance and SWA Membership Fee is comparable with any stand-alone insurance premium available in the open market.
Policy is on a block basis and renews annually on the 6th May.
Premiums quoted apply irrespective of when members join.
All members must be fully qualified and be able to provide certificates with the completed declaration.
Where certificates are not applicable members must have a minimum of 3 years experience.
To qualify for the policy all members must be UK domiciles, cover can be provided out with UK territorial limits on request.
Only therapies/activities listed can be covered under this scheme, we can provide quotations for additional activities on request subject to an additional premium.
We are also able to provide cover for any commercial/business premises from which you operate. We have arranged discounted rates for SWA members in respect of Private Car and Household Insurance.
Please be aware that if you are working from home, your home insurers must be notified. Should your existing insurer decline to cover this we have a specialist product designed specifically for SWA Members, please contact Julie or Barbara for further information.