We work with specialist insurers that understand healthcare - so you can focus on patients, not searching for cover.
- Protect your practice with public liability insurance for doctors
- Get cover for loss or damage to refrigerated drugs and vaccines
- Access legal cover for contractual disputes or tax investigations
- Get advice from our experts to find the right cover for you
On this page
Helping you through the medical insurance minefield
From equipment breakdown to damage to vaccines, choosing the right protection for your GP practice can be a minefield.
Worst case scenario, you could end up under insured - or paying for something that doesn’t protect your surgery when you need it the most.
Our experts can find you comprehensive cover from some of the UK’s leading insurers, taking those worries away and saving you valuable time.
And when you need a helping hand, we’re here to support you - whether you need to make a claim or discuss your changing insurance needs.
What's covered?
Nobody knows your surgery better than you, but our consultants can help you decide the right level of protection for you - including cover for:
- Public liability insurance for doctors
- Employers' liability
- Refrigerated drug and vaccine insurance
- Equipment inspection and breakdown
- Business interruption
- Legal expenses
- Surgery group policies
- Accidental damage to buildings and contents
- Acts of terrorism
Up to £10m limit of indemnity
With a £10m limit of indemnity.
Up to £50,000 at a single location (with the option to increase if you need it)
For your specialist medical equipment, lifts and escalators
Cover for loss of income and additional expenses up to 24 months
Cover up to £50,000 for employment disputes, legal defence, contractual disputes, tax protection and more
You can insure all your surgeries with a range of group policies
Protection for one-off and unintentional incidents like spillages and breakages
If your surgery is damaged or you lose income from a terrorist act
What's not covered?
Of course, GP surgery insurance can’t cover everything. For example, national or global threats (such as wars), nuclear risks or pandemics.
Here’s more on what isn’t included:
- Buildings and contents
- Business interruption
- Computer breakdown
Wear and tear, gradual deterioration, vermin, rust, damp or mildew.
Any business interruption from compulsory closure that is not local to the insured premises.
Loss, destruction or damage to any computer equipment caused by malicious activity, hacking, viruses or similar mechanisms. For this cover, you may need cyber insurance.
Optional extras
Take your cover to the next level (at an additional cost) with:
Excess protection
If you need to make a claim on your insurance policy, you can claim your excess back following its successful settlement. Choose your policy pay out, from £250 up to £2,500.
Commercial emergency assistance
If you need a little extra help in case of an emergency, this cover offers a number of benefits including:
- Up to £1000 for parts and labour from an approved tradesman
- 24/7 emergency helpline available all year round
- Plumbing and burst pipe cover
- Cover for drainage problems, electrical breakdown, broken or damaged windows
Locum insurance – Practice Protector Plus
Alongside your GP surgery insurance, ask us about Practice Protector Plus. Hiring locum doctors, specialist nurses and other key staff can be expensive - but Practice Protector Plus plan can help foot the bill when you need them.
- Cover the cost of hiring both internal and external key staff
- Single policy that lasts as long as you need it, with no need to renew each year
- Paid out 97% of claims in 2023, totalling £3.1m
- Tailored to your practice needs by a team of Specialist Financial Advisers
Discounts for you and your staff
Member discounts
Get 20% of your GP surgery insurance policy as a Wesleyan member. Learn more about your eligibility, as well as terms and conditions, below.
Surgery staff discounts
Once you take out GP surgery insurance, your staff can get up to 10% discount on selected insurance products from Wesleyan Financial Services.
Important information
Things to know before you apply
Please note that limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including benefits and exclusions, will be provided when you get a quote. Risk must be acceptable to underwriters at normal terms.
Wesleyan Financial Services Ltd is a broker and our insurance products are provided by a number of insurers. Premium finance is provided by Premium Credit Ltd.
Key documents
Before you apply for GP surgery insurance, you should read the following document:
Terms of Business Agreement (PDF, 139KB)
A list of companies and products we offer (PDF, 108KB)
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Business funding for GPs
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Management liability insurance
Get legal protection for claims made against you at work. You can tailor your policy to include liability cover, cover for legal expenses, defence costs and more.
Cyber insurance
Get all-round cyber protection for loss and damage to your digital assets, business interruption from network downtime and more.
Get a quote for GP surgery insurance
Fill out the short form below and one of our team members will be in touch to discuss your quote.
Already have a GP surgery insurance policy with us? Existing customers should contact us here.