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Safeguard your surgery

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 focus on 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
  • Advice-based service tailored to your needs
  • Request a quote and we'll aim to call you within the hour*

*Opening times are Monday to Friday 9am-5pm.

How it works

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.

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, but our consultants can help you decide the right level of protection for you. Including cover for:

  • 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.

Save on your insurance

Surgery staff discounts

When you take out a GP surgery insurance policy, your staff can get up to 10% discount on selected insurance products from Wesleyan Financial Services.

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:

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