FAQ - Professional indemnity insurance

Put simply, claims made means your policy will respond to claims submitted whilst the policy is active. Your cover is issued with a retroactive date, which means the policy will provide protection for any treatment provided after this date. In most instances the retroactive date will be the date cover is first taken out with us. However, if you transfer your insurance to us from another provider and have previously been covered by a claims made policy, we can normally confirm a retroactive date back to when you first took out this type of cover.

For most professionals it is a regulatory requirement to have some form of professional indemnity, for example: GPs, dentists.

For others, such as dental nurses or technicians, it is something that is recommended to provide you with protection in the event of an allegation being made against you.

Once cover under your claims made policy has ended, no further claims can be made unless you have arranged run off cover. Run off cover continues to provide protection after you have ceased to practice in case any claims arise from treatment you previously provided. We can provide run off cover on an annually renewable basis with a reducing scale of payments.

Professional indemnity for GPs includes a section for "Good Samaritan acts" so, yes you would be covered by this policy.

Yes, treatment of animals is included within this policy so long as you tell us what animals you will be treating and provide us with their estimated value.