Our Policies are an insurance product with an indemnity level of up to £10 million – the product offers contract certainty and is enforceable in the courts.
Our team of experts are dedicated to protecting your livelihood and your reputation. Our medical indemnity insurance is underwritten by certain underwriters at Lloyd’s and/or London Company Markets (A Rated), offering you comprehensive medical malpractice cover and peace of mind.
Whether it's £500,000 or £10,000,000 you need, even if you've previously been declined insurance, we've got you covered.
Add optional commercial legal protection to your policy at the click of a button.
You can pay for your policy securely online and get cover in a matter of minutes.
Get a quote and buy online, all in a matter of minutes.
Our UK based call centres are full of friendly staff who are here to help.
With over 30 years of experience, and only offering insurance from UK based A-rated insurers, you're in good hands.
A physiotherapist insurance policy is often vital cover for you and most other medical professionals in the UK, as it can protect you in the event that someone makes a claim against you due to negligence. MMI 4u offers between £500,000 and £10 million in indemnity cover, to protect you against any costs incurred - whether it be legal or otherwise.
We offer specialist policies for practitioners who have been declined cover by their Medical Defence Union (MDU, MPS), or who have previous claims or disciplinary actions.
Speak to one of our friendly and helpful advisors
Lines open between 8am and 8pm, Monday to Friday
Ik977 _____Clair had dealt with myself when it came to sorting out an insurance policy. Customer services was great. There seemed to be an issue (no fault of her own) which was resolved immediately. Cannot recommend this company enough
2 months ago
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natalie holmesAbsolutely brilliant for the indemnity I need. No hidden costs, just pay what I'd quoted and you're all set and covered for the year. It was so much cheaper than going through other sites. Would definitely recommend.
3 months ago
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Shivon ChopraSuper Easy And Efficient Insurance Cover. MMI 4U Has Everything Dental Professionals Need! Fast Transaction Method And Communication By Email. Definitely Recommend x
2 months ago
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The level of indemnity cover you need depends on your specific role, employer requirements, and professional body recommendations. Many employers and professional bodies specify minimum cover levels. Our advisors can help you determine the appropriate level when you request a quote.
MMI 4u typically provides policies on a "claims made" basis, meaning the policy responds to claims first made and notified during the policy period. This differs from "claims occurring" policies which cover incidents that occurred during the policy period, regardless of when the claim is made.
Yes, for Physiotherapists, you can get a quote and buy online, providing immediate cover and documentation when an instant price is available. If your answers need advisor review, we will prepare terms and contact you instead.
Our Physiotherapists policies start from £56.71 per year and include the option to add additional Commercial Legal Protection. Premiums may vary based on your specific circumstances, level of cover required, and any additional options selected.
We specialise in providing cover for medical professionals who have been declined by other providers, including the MDU. Our online form will ask about your previous insurance history, and we'll work to find suitable cover for your circumstances.
If you have a claims-made policy and are retiring or ceasing practice, you'll typically need run-off cover to protect against claims made after your policy ends. This is especially important for medical professionals, as claims can arise years after treatment. Speak to our advisors for details.
Yes, we offer monthly direct debit payment options for policies over 90, subject to policy terms. This allows you to spread the cost throughout the year.
For more detailed FAQs, visit our main FAQ page, or speak to one of our advisors on 01773 810072 (8am-8pm, Monday to Friday).
Three years after stomach surgery, a patient suffers a twisted bowel resulting in a severe obstruction requiring emergency surgery. The surgeon who undertook the initial procedure received a claim in excess of £50k in compensation and fees. It is alleged that failure to complete the initial surgery correctly led to this complication.
A parent took their infant for a check up following recent signs of illness to which the GP noted as ‘not serious’. The child later developed meningitis and subsequently lost hearing on one side. A claim was made for negligence in respect to the doctor's failure to refer the child and misdiagnosis.
Following the fitting of dental braces, the patient suffered severe headaches and jaw pain. On formal investigation, it was discovered that the technician had misinterpreted the dentist's instructions and the sizing was incorrect. A claim for compensation and fees in excess of £5k was made for the pain and suffering.
Following a routine visit to the dentist a patient claimed to have suffered a mouth infection which needed to be treated. It was later alleged that the dental nurse's failure to sterilise the dentist equipment prior to use was the cause of the infection suffered by the patient.
In response to an emergency call, a paramedic began to resuscitate an unconscious patient. Despite successfully resuscitating the patient, during the process the paramedic unfortunately caused the patient to suffer a fractured rib. A claim was made in negligence against the paramedic by the patient following the injury sustained.
Clinical complaints and indemnity claims: support before and after notification.
A patient complaint, regulatory letter or indemnity demand is not everyday clinic paperwork. Even before a formal claim is lodged, the legal advisors we work with can help you understand disclosure timing and what to preserve.
Our advisors guide you through preparation and how to protect your practice while the matter develops, so you are not left guessing between solicitors and schedule wording.
For full details of the claims procedure, please refer to your policy wording document. If you need further information or assistance, you can call us on:
01773 810072Lines open between 8am and 8pm, Monday to Friday
Our Commercial Legal Protection policy is designed to help protect your practice during everyday legal issues, providing support, advice and cover against legal costs.
The policy can pay legal costs up to £100,000, including solicitors' and barristers' fees, court costs, expert witness expenses, employment compensation awards, and appeal costs.
A UK-based legal advice helpline is available 24 hours a day, seven days a week.
Cover can include legal defence for business-related criminal allegations and health and safety matters, disciplinary hearings, contract disputes, personal injury, and legal advice services.
Support can also extend to data protection disputes, statutory licence appeals, civil actions relating to wrongful arrest, and jury service attendance expenses for employees.
For a full summary, visit our commercial legal protection page.
Explore cover tailored to your role or treatment specialism.
