Clinic Malpractices

"Protection 24/7 and personal atention is the best."

Camilla Strongbow


Clinic/Hospital Malpractice Insurance

Covers clinic/Hospital against alleged professional liability. Hospital malpractice insurance policies are generally set up based on a claims-made basis, meaning that the policy only covers claims made during the policy period.


Retroactive Cover: Claims made during the policy period, but which relate to an incident before the policy inception date are covered by use of the retroactive date (where the retroactive date is earlier than the inception date of the policy). The policy will provide retrospective cover for all wrongful acts, errors or omissions committed before the inception date of the policy provided the actual claim or circumstance is notified to the insurer during the period of insurance.
Run-Off-Cover: Run-off cover provides protection for claims made against the insured when they stop trading or practicing.

Underwriting Factors

– Name of the Institution.
– Number of doctors and specialization.
– Number of nurses/ Assistants/ Pharmacists/ Radiologist.
– Annual Gross Income.
– Number of patients seen in a year.
– Indemnity limit.
– Applicable deductible.
– Claims history.
– Equipment details and value.
– Extensions required.



– Insolvency
– Willful Acts / Misdeeds
– Pollution
– War and Terrorism
– Consequential Loss
– Political Risk
– Deductible
– Bodily Injury
– Known / Prior Claims
– Operation of a blood bank

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