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GP surgery insurance

Keeping your surgery in good health

Why get insurance?

Look after your surgery like you look after your patients. Get bespoke cover for your surgery from our team of medical insurance consultants. We only work with insurers that understand your sector, for policies that give you the peace of mind to get back to your patients.

  • Protects you from damage or loss to your buildings and contents
  • Cover for a loss of income and interruption to business
  • Cover for loss or damage to refrigerated drugs and vaccines
  • Protects against liability claims from employees and third parties
  • Offers legal cover for contractual disputes or tax investigations

About GP surgery insurance

When you’re busy with patients, you may not be thinking about the risks your surgery faces day-to-day. From equipment breakdown to damage to vaccines, choosing the right protection 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.

Wesleyan Financial Services can find you comprehensive cover from some of the UK’s leading insurers. We’ll negotiate the best price and terms for you, like a comparison site with a human touch.

And when you need a helping hand, we’re here to offer advice - whether you need to make a claim or want to discuss your changing insurance needs.

What’s covered?

Nobody knows your surgery better than you. Our consultants can help you decide the right level of protection for you. Including cover for:

Type of cover
What's included
Public liability insurance for doctors
Up to £10m limit of indemnity
Employers' liability
With a £10m limit of indemnity
Refrigerated drug and vaccine insurance
Up to £50,000 at a single location (with the option to increase if you need it).
Equipment inspection and breakdown
For your specialist medical equipment, lifts and escalators
Business interruption
Cover for loss of income and additional expenses up to 24 months
Legal expenses
Cover up to £50,000 for employment disputes, legal defence, contractual disputes, tax protection and more
Surgery group policies
You can insure all your surgeries with a range of group policies
Accidental damage to buildings and contents
Protection for one-off and unintentional incidents like spillages and breakages
Acts of terrorism
If your surgery is damaged or you lose income from a terrorist act

What’s not covered?

Unfortunately, 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

Wear and tear, gradual deterioration, vermin, rust, damp or mildew.

Business interruption

Any business interruption from compulsory closure that is not local to the insured premises.

Computer breakdown

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

Our service promise

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Advice and guidance

Helping your business create an insurance policy that’s individual to you.

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Search the market

Get access to leading providers like Aviva, Allianz, Covea & Travelers.

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Explain the small print

We’ll explain vital exclusions and limitations, and can talk you through the claims process.

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Service all year round

We’re here for you whenever you need us. For when your business grows or when it’s time to renew your insurance.

Important information

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.

Before you apply for GP surgery insurance, you should read the following document: