Healthcare carries a distinct risk profile from other professional services — claims can involve patient harm, complex clinical evidence and significant reputational exposure.

Medical Malpractice cover is designed specifically around that exposure, rather than being treated as generic professional indemnity.

• Hospitals and clinics.
• Individual physicians and specialists.
• Dental practices.
• Nursing and allied health professionals.
• Diagnostic and laboratory facilities.
• Healthcare groups operating multiple facilities.

• Cover is typically arranged on a claims-made basis — the policy in force when the claim is made responds, not necessarily the one in force when treatment occurred.
• The retroactive date determines how far back prior clinical work is covered — confirm this carefully when switching insurers.
• Scope of practice must be accurately declared — undeclared procedures or specialties may not be covered.
• Consider territorial limits, jurisdiction and run-off cover, particularly for practitioners changing facilities or retiring.