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.
We've partnered with Barclaycard so 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 yours and most other medical professions in the UK, as it can protect you in the event that someone makes a claim against you due to negligence. MMI 4u offer 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.
We aim to make getting indemnity insurance as simple as possible. Simply complete our online form, choose the type of cover that suits you best, then once you're happy and have confirmed details you can complete payment online securely via Barclaycard. We'll then send you full policy documentation in a matter of minutes.
Even if your insurance isn't due yet, you can purchase your policy and set a start date up to 30 days in advance.
You can get a quote by filling in our simple to use online form, or by clicking any of the "get a quote" buttons throughout our site.
If there's anything you're unsure of give us a call on 02071 185247, one of our advisors will be happy to help.
If you'd prefer for us to give you a call, you can request a call back request a callback and we'll give you a call back at a time that suits you.
Offering specialist indemnity policies to medical professionals in the UK and Ireland, we've got you covered no matter what the scenario.
You'll be hard pushed to find an insurance company who will advise you exactly how much cover you need, principally due to liability reasons. The responsibility to take out adequate cover largely falls in your hands, although our helpful advisors will be happy to discuss your options and explain how you can come to a conclusion regarding cost.
Sometimes you may also find that your job stipulates the amount you require. If you're looking for other options, you'll find that many industry organisations and professional bodies will likely be able to offer useful advice.
We currently offer the option for a wide range of professions to get a quote and buy online, including
Paramedics. Providing immediate coverage and documentation, you can complete the entire process within minutes.
For all other professions, you can fill out our online form and we'll get straight back to you with your quote details.
Our Physiotherapists policies start from just £56.71 per year and include the option to add additional Commercial Legal Protection.
Any medical professional that deals with patients on a daily basis should get medical malpractice insurance. In our highly litigious society, a lawsuit by a disgruntled patient could cost you a fortune or even your career. So make sure that you have the right medical cover for your profession.
MMI 4u normally provides an insurance policy on a "claims made" basis, which means that it responds to claims that are first made against you and notified to insurers during the period of the policy and the run‐off period.
We offer specialist policies for people who have been declined indemnity cover with their Medical Defence Union (MDU). Our simple online quote form will ask you questions regarding your previous insurance, once that's complete we'll do the hard work for you and help arrange cover - making sure you can concentrate on what matters most, your business.
Just like with previously declined cover, we offer specialist policies for people who have had previous claims or disciplinary actions. We believe no matter what the scenario, everyone has the right to work and have a second chance.
Run-off coverage protects you for a limited time even after you’ve left the medical field in case any claims are formulated against you by previous patients. In most situations, medical malpractice insurance ends when you exit the medical profession. Run-off coverage is used as a precautionary measure to provide you with extra peace of mind in the event a former action, event or patient alleges malpractice against you.
If you have indemnity arrangements that are not an occurrence based product – for example, claims made products – you will require run-off cover, unless the terms of your cover specify any defined circumstances where this would not be required. If you are unsure of your current indemnity arrangements then you should contact your existing indemnity provider.
Run-off coverage protects you for a limited time even after you’ve left the medical field in case any claims are formulated against you by previous patients. In most situations, medical malpractice insurance ends when you exit the medical profession. Run-off coverage is used as a precautionary measure to provide you with extra peace of mind in the event a former action, event or patient alleges malpractice against you. Speak to one of our advisors for more details.
From 1st April 2019, NHS Resolution will be operating a new state-backed indemnity scheme for general practice in England called the Clinical Negligence Scheme for General Practice (CNSGP). For full information we recommend to check the Resolution NHS website directly at https://resolution.nhs.uk.
We offer the option to set up payment via direct debit if your policy is over £150, so you can spread the cost of your policy throughout the year.
For a much more in depth look at our frequently asked questions, visit our FAQ page.
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 doctors failure to refer the child and misdiagnosis. Compensation was sought for the pain, suffering and loss of amenity suffered by the child.
Following the fitting of dental braces, the patient suffered severe headaches and jaw pain – on formal investigation, it was discovered that the technician has misinterpreted the dentist’s instructions and the sizing was incorrect. Allegations were made of negligence and a claim for compensation and fees in excess of £5k 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 nurses failure to sterilise the dentist equipment prior to use was the cause of the infection suffered by the patient and a claim made for the pain and discomfort.
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.
We're here to help take the stress out of insurance.
The world of insurance can be daunting, especially when relating to complicated matters such as liability and compensation when a claim is being made against you. Even before an official claim has been made, the team of legal advisors we work with will be there to help you.
In terms of the claim itself, our advisors can guide you through the steps you need to take to prepare and how to further protect yourself.
To discuss your insurance requirements further, or to make a claim on an existing policy you can call us on:02071 185247
Lines open between 8am and 8pm, Monday to Sunday
Our Commercial Legal Protection product aims to provide market leading coverage with sectors of cover that work for you'd covering many areas within your day to day business.
Our payout for all legal costs and expenses, (solicitors etc) amounts to £100,000. Appeal costs are included in this category. Provision for payouts cover the following costs which may be incurred: disciplinary hearings, contract dispute cover, personal injury and legal advice services.
We provide a handy manual covering updated legislation. As part of our service, we have a database of expertly compiled legal documents. Just sign, and you're ready to go! There are also various useful tool accessories to the legal processes of commercial legal protection made available for your convenience.
Prior defence of legal rights for both the employer and employee in the case of business-related offences: both police and health safety issues. Non-criminal related prosecutions defence (both employer and employee) relative to section 13, Data Protection Act of 1998, inclusive of compensation payouts, is covered.
Furthermore, we handle appeals both in the case of application or registration refusal, as well as legislation negatively affecting business activity. In addition, we take care of civil defence regarding the accusation of theft, and employee jury attendance expenses.
For a further summary visit our commercial legal protection page page.