EXCLUSIONS OF PROFESSIONAL INDEMNITY INSURANCE FOR DOCTORS

Apart from the cover offered to the doctors and medicos in the professional indemnity insurance, there are certain exclusions also. This means that there are a number of issues for which, if the doctor is held liable, the insurance company will not cover him i.e. the insurance company will not pay any kind of damages. Some of the inclusions are:

Any liability arising from the criminal act or violation of law is not covered.

If anything goes wrong with the patient and you are found under the influence of intoxicants or drugs.

If you have used drugs to reduce a patient's weight and if it is found out or anything happens to the patient during treatment.

Claims made against the doctor because of the cosmetic surgery going wrong.

Any kind of liability arising out of intentional non compliance of the statutory provisions mentioned.

There are many other exclusions which should be made clear before buying a professional indemnity insurance policy for the doctors. It is always advisable to get in touch with a knowledgeable insurance agent and gather all the information and understand it thoroughly about the kind of policy you want to buy.

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IR35 Insurance for freelancers and small businesses

IR35 insurance is essentially a tax investigation cover. For true or false reasons, you may become a prey to IR35 and end up paying a huge part of your yearly savings as tax instead! That sounds awful!Well to know whether or not you and your business need insurance against IR35, proper research is required; and based on HRMC laws, you can determine whether you will fall into the category to pay IR35 tax.IR35 insurance products usually cover the costs of a tax investigation, and even the tax and national insurance liabilities which may arise from an HMRC enquiry. IR35 has been taxing business owners since the past nine years but despite efforts to abolish this law, the results have remained negative. There has been an ever more in increase in the number of people opting for insurance covers including protection against IR35 as it may cause the worst impacts on your business if it comes your way!


The complexities of the tax system are beyond normal understanding; and however hard you try, you cannot rule out tax problems completely out of the list. Good insurance protects you when IR35 investigations are made and you become liable to pay huge sums to compensate for the legal claims made.

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Your Insurance, Your way!!

Freelance Insure, as the name suggests, is a one-stop shop for any insurance solution that your freelance business requires. There are many insurance sites that offer you insurance but we ensure better returns at cheaper rates. Get an online quote now!

We boast about the policies we offer because insurance is easily available online; proper backing is provided by our dedicated customer service team; the icing on the cake – our policies are underwritten by Royal & Sun Alliance! With policies starting from £165 per annum, we offer you the best deals at competitive prices.

The importance of being insured cannot be ignored. While working on a project delivery, or doing a reconstruction for your client, a slight lethargy may drive you off course and root a major damage for your client. The client is bound to claim his damages from you and at such an intersection, if you are not adequately insured, you would be paying all the charges from your own pocket! This could prove fatal for your business as well as your future. Why not get your insurance done now? Buy amazing cover at Freelance Insure for unbelievable low prices…

We have the best prices to offer, with flexi-insurance schemes allowing mid-term adjustments if required. Visit www.freelanceinsure.co.uk to know more about our freelance insurance policies. You could even call our insurance experts on 0870 752 5455, available from 9:00 am to 5:30 pm, Monday through Friday.

At Freelance Insure it is your insurance, your way!!

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