Professional indemnity insurance for healthcare businesses

Often these businesses are not wholly owned by the doctors working in them, they may employ a range of allied health care professionals and the doctors may be insured with different insurers.
 
Gaps in cover that arise because of the way services are provided cannot be easily covered by each doctor’s individual medical indemnity insurance. In some cases, doctors may not want matters they are not directly involved in dealt with under their personal policies.  MIGA offers a policy, called Healthcare Insurance, to cover medical practices and companies for medical indemnity claims that may be made against them.
 
We understand the important role insurance brokers play in educating and advising their clients about the risks they face.  We like to work closely with Insurance Brokers to understand their clients’ needs and work together to provide the best solution.
 
Our policy covers the liability of the company or practice entity, its subsidiaries and their employees including health care professionals such as nurses, technicians and the like (other than employed doctors^*). Cover is also provided for vicarious liability for the acts of employees, including employed doctors and contractors, consultants and agents.  Review the benefits below.

^*An optional extension is available to cover employed doctors directly under the Healthcare Insurance or alternatively doctors can maintain their own insurance and Healthcare Insurance will cover the company or practice over and above the individual doctors’ policies.