Reasons to switch

Premium Medical Protection are the UK’s only provider of Occurrence based CONTRACTUAL medical indemnity insurance…


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For your bespoke occurrence policy, please contact one of our customer service team on 0345 163 0053 or click the Bespoke Occurrence Policy button

Reasons to Switch

Award Winning Defence

Indefinite Run Off

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AA+ Rated Underwriter

Put simply, when it comes to our underwriters, we are working with some of the best in the world. Our underwriters will assess your practice and provide options for differing levels of protection for you. The very worst-case scenarios are considered, and the availability of finances in the extremely unlikely incident of a large pay out is assured. Our underwriters have a financial strength rating of AA+ from Standard & Poor’s, which signifies that there is little or no risk of default, giving you ultimate peace of mind.

£10m Limit of Liability

We can offer you an annual limit of liability of up to £10m. Most private hospitals now do require £10m in coverage.

Medico Legal/Advisory Work

Medico legal work can be quite lucrative for some doctors and can form the majority of their income. With the rise in legal practices offering “no win, no fee offers”, we are seeing an increase in doctors being sued on their Medico Legal Services

When you apply for a quote from Premium Medical Protection, you will be asked if you offer Medico Legal Services and the income you earn from these services. Terms and conditions apply to the coverage offered.

Contractual Cover

The insurance policy is a contract between the insurer and the insured (you), known as the policyholder, which determines the claims which the insurer is legally required to pay. Occurrence Based or Claims Made Cover available

Occurrence Based or Claims Made Cover available

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Consent To Settle

Our insurers will never settle a malpractice claim without your consent.

24/7 Helpline

We offer a 24/7 response phone line. Simply dial our helpline day or night and you will be put straight through to one of Clyde & Co leading lawyers. The lawyers are all highly experienced and provide an immediate and proactive approach to managing your situation. They will deal with any circumstance or claim through to any general medico-legal query you may have.

They are also equipped to respond to any emergency query including, but not limited to:

  • Best interests decisions

  • Investigations by the police and/or regulators

  • Disclosure issues and interviews under caution

They have substantial experience managing all areas of healthcare law and the representational aspects of serious incidents.