Standard vicarious liability insurance
This is when one party is held liable for the harm caused by the actions of another individual. The main example of vicarious liability arises from the relationship between an employer and employee, the rule being that the employer is vicariously liable for the errors and omissions committed by the employee. For instance, an associate dentist who has now left the practice, previously carried out some dental work incorrectly and now the business employer is being sued for damages by the claimant as the employer would have vicarious liability.
Vicarious liability for businesses versus individual medical and professional indemnity cover
Medical and professional indemnity cover ordinarily covers individuals for negligence, acts or omissions in the course of professional duties on their own, whereas vicarious liability protects business owners against claims for negligence, acts or omissions of their employees, agency workers and partners during their course of professional duties.
Medical and professional indemnity cover
Whether you are a single practitioner or a whole group; through our range of polices we will seek a solution for your current and evolving needs. We can help you with your insurance requirements.
Health and safety
We can approach our insurers with a view to providing retrospective cover, in order to ensure your past work is protected. Due to the statute of limitation, a patient has up to three years to make a claim, from the time they become aware of the error and then another three years from the point they intimate a claim. Therefore it is important you’re protected during this time regardless of if you are working or not.
