The Insurance Cover That You Need For A GP Surgery

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The Insurance Cover That You Need For A GP Surgery
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When you run any sort of medical practice, you
need to take careful consideration of the types
of insurance that you should have. There are some
types of insurance that are a legal requirement,
while others may be optional, but are better to
have than not. Contractual insurance includes
things such as Employers Liability insurance.
This covers you if a member of your staff should
suffer an accident, whether on or off the
premises, during the course of their work. 
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Of course, equally you need to have public
liability insurance in place because this will
cover any incident involving a visitor, such as a
patient or outside contractor. For several years
the standard amount for public liability
insurance has been 5 million, but it is becoming
more usual to find local authorities and CCGs
requesting 10 million. Then you need to
consider contractual obligations that you may
have regarding your surgery if you are a GP
practice, physiotherapist, dentist, and so on.
For instance, if you own the surgery and have a
mortgage on it, then it is likely that your
mortgage lender will require a certain level of
cover. However, you need to ensure that you are
covered for total loss. This should be sufficient
to cover the full cost of rebuilding the premises
in the case of something such as a fire, together
with full reinstatement. Contents Insurance The
next thing to take into account is contents
insurance. You should note that anything in the
way of fixtures and fittings are covered by the
building insurance. However, the other contents
are not covered, and in a GP
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surgery, for instance, they can add up to quite a
lot of money. You need to ensure that you cover
absolutely everything including such items as
carpets and curtains. The correct way to do this
is to make a list of everything, so that you
dont miss anything out. If you have items that
are relatively new, you will know how much it
would cost to replace them, but if you have had
them for some time, it is a fairly safe bet that
they will cost more to replace today than when
you originally bought them. You would need to
enquire from a relevant supplier the cost of them
today. Your contents insurance should also
include personal property of employees in the
surgery. In addition, you should take out cover
for deterioration of drugs and refrigerated
vaccines, precious metals, and possible assault
by patients. Like most GP practices, you
probably employ locums quite often from a doctor
locum agency. Using a doctor locum agency makes a
lot of sense because such agencies are able to
provide you with cover for your practice at short
notice. When you have a key member of your team
go
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sick, there is often no advance warning. In fact,
today about 20 of GP practices are saying that
locums cover one quarter of all their shifts,
while half of all practices say that they are
increasingly reliant on locums. Of course,
hiring a locum is not a cheap exercise, and so it
makes sense to take out locum insurance to cover
the extra costs incurred. 
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03453503655
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