Professional Indemnity Insurance for Doctors
Practice with confidence and protect your profession
Even with the highest standard of care, a medical error, an omission or an allegation of negligence can lead to a costly claim. Professional Indemnity (PI) insurance protects your finances and your reputation, so one claim does not put your practice, your savings or your career at risk.
- Legal costs and awards: Defence and settlements, up to your limit
- Limits to suit your risk: From entry level to high-risk specialties
- Quotes compared for you: Leading insurers, one clear comparison
What is Professional Indemnity insurance?
PI insurance covers your legal liability if a patient or third party claims they suffered injury, loss or damage because of your professional services or advice. It pays for the legal costs of defending the claim and for any settlement or award against you, up to your chosen limit.
Who needs it?
Any qualified and registered medical professional who provides services to patients, including:
- General practitioners
- Surgeons and specialists, such as gynaecologists, obstetricians, cardiologists and neurosurgeons
- Dentists, paediatricians, radiologists, pathologists and psychiatrists
- Pharmacists, nurses and other allied health professionals
- Owners of private practices, clinics and hospitals
What can be covered?
Cover varies by insurer and policy, but typically includes:
- Claims for injury, illness or death arising from negligent acts, errors or omissions
- Legal defence costs and settlements
- Breach of professional duty and breach of confidentiality
- Defamation, libel and slander
- Loss of or damage to documents
- Dishonesty of employees
- Court attendance costs
- Locum cover while you are away
Why take it out?
Licence requirements
PI cover is often required when applying for or renewing your practising licence.
Financial protection
It covers court awards and legal fees that could otherwise run into millions of shillings.
Peace of mind
You can focus on your patients instead of worrying about the financial risk of a claim.
Business opportunities
Many employers, hospitals and tender processes require proof of PI cover.
How it works
PI policies are usually written on a claims-made basis. This means the policy responds to claims first made or reported during the policy period, so it is important to keep your cover continuous and renew on time.
Flexible limits and fair pricing
We offer cover limits from entry level up to high limits for high-risk specialties. Your premium depends on your specialty and its risk level, the cover limit you choose, and the excess (the amount you pay per claim). We compare quotes from leading insurers to find the right fit for your practice and budget.
Good to know
Exclusions
Policies usually exclude intentional misconduct, criminal acts, experimental treatment and known circumstances that existed before the policy started. Exclusions differ by insurer, so we will explain them before you buy.
When cover starts
Cover only starts once your premium is paid and the insurer has confirmed it.
Get Your Quote
Tell us your specialty and the limit you need, and we will compare the market for you.
Get a Quote NowThis page is a summary and not a contract of insurance. Cover is subject to the insurer's policy terms, conditions and exclusions.