General Practices & Health Clinics

Insurance solutions for healthcare specialists by healthcare specialists.

Our specialist team has expert knowledge of the threats facing medical practices every day. Risks such as unexpected staff absences, accidental damage to surgery premises and accusations of malpractice, are just some examples that can cause costly financial implications, disruptions and harm to surgeries and medical professionals alike.

To help safeguard your practice from these risks, we offer bespoke insurance solutions designed around the particular needs of medical providers. Taking a holistic approach to risk management, we help map out the exposure to risk and will advise the right level of cover for your need.

We aim provide real value to our clients, who are continually squeezed on cost. Having recently combined our care and medical practices, and being part of the world’s largest majority employee owned insurance intermediary, we now have even more negotiating power with insurers and are able to secure more competitive terms for our clients.

Our team has many years’ experience in delivering innovative business insurance solutions for general practices. Some of our products include:

Locum Insurance
Our Locum Insurance policy is designed to cover against unexpected staff absence within your practice, helping to provide the necessary financial security to protect and sustain the continuation of your business.

Surgery Insurance
Our Surgery Insurance cover is a bespoke product designed to cover the buildings, contents and liabilities of a medical practice. Opposed to offering generic insurance policies, our approach is to map your business’s exposure with a fully comprehensive arrangement providing you with a first line of defence against risks such as property damage, loss of refrigerated drugs, vaccines and business interruption.

Partnership Protection
Partnership Protection insurance secures shareholder interests in your medical practice. Following the death of one of your shareholders or business partners, their share of the practice typically becomes part of their estate and pass on to their beneficiaries. They could even sell this to a third party. The Partnership Protection product provides a lump sum back to the business, in the event of a covered loss, allowing the share to be retained by the practice and current ownership to continue.

Medical Malpractice
Throughout our many years of experience, we have seen the medical profession be exposed to the full brunt of litigation. To help safeguard claims of medical malpractice our dedicated team can protect your surgery against risks such as breach of duty, misdiagnosis and loss or damage.

I first contacted Howden when I was looking to review the Surgery insurance and Locum cover for my practice and I was most fortunate to do that. They always found the most cost effective ways to help and when I actually had to make a claim they dealt with it in a very professional and prompt manner.

Practice Manager at The Hackwood Partnership

Key Contacts


The real moment of truth comes if and when you need to make a claim. Enquiries will be managed efficiently by our experienced team and all settlements paid quickly and precisely. Our risk and claims teams work together proactively to help you manage your business’ exposure to risk; we will monitor and respond to claims trends in order to identify training needs, give practical advice and ultimately manage premiums.

Claims - General Practices & Health Clinics

+ 44 (0)344 856 2477 Email