Healthcare professional liability insurance

• Insurance from €20,- per month
• Insured against property damage due to misdiagnosis and professional misconduct
• Reimbursement of legal costs of defence (if any)
• Choice of all insurers in the Netherlands
• Compare and contract 24/7
• Fast, free cancellation service

• Premium starting date
• Professional activity exercised by you
• Expected turnover (excluding VAT)
• Education level of directors, partners and/or managers of the company you work for.

If you are an entrepreneur in health care, then it is almost a 'must' that you are well insured. Proper protection provides a certain degree of peace of mind, so you can fully focus on your work. Choose, for instance, a legal assistance insurance to be supported by legal advisors when you have a conflict with a client. A client can always have a different opinion and think that you have made a wrong diagnosis. If this happens to you, you will find it difficult to defend yourself without legal knowledge. Should a client's claim be upheld, it is good to have professional liability insurance for healthcare.

Professional liability insurance for self-employed healthcare professionals is largely focused on caregivers who visit clients in their homes. Functions that can be considered are: the general practitioner, physical therapist, maternity care and district nurse. In most cases, professional liability insurance for health care providers is customized by the insurer to the specific risks faced by a particular profession. For example, a family physician has different responsibilities than a district nurse. For example, a general practitioner may be ultimately responsible for making a diagnosis and a district nurse may not.

Most insurers allow you to extend your coverage as you see fit. Of course, Alpina's insurance specialists are happy to take this off your hands.

A professional indemnity insurance in healthcare covers you against immaterial damage in healthcare. This includes damage resulting from a wrong diagnosis. Another possibility is that it concerns financial damage. For example, because you advised a client to undergo expensive treatment that later proved to be completely unnecessary. Do you want to prevent the financial damage being claimed from your company? Then professional indemnity insurance in the healthcare sector is the answer. Damage includes damage you have caused yourself or damage caused by one of your employees.

Of course, you are not obliged to do anything. However, it is advisable to take out professional indemnity insurance in the care sector. Some of the reasons why this is recommended are:

• Mandatory by clients, such as hospitals and home care organisations;
• Prerequisite for membership of a trade or professional association;
• General terms and conditions often do not offer sufficient protection;
• Professionals insure their assets against professional misconduct.

There are times when self-employed healthcare professionals may be denied when applying for professional liability insurance. It is not just among self-employed healthcare professionals that some insurers find it difficult to obtain professional liability insurance. It is also a more common problem among notaries and lawyers. Fortunately, there remain plenty of insurers you can turn to as a self-employed healthcare professional for your professional liability insurance. Alpina always knows how to find insurance appropriate to your situation.

Do you work for a company of which you are not the owner? Then you do not have to take out professional indemnity insurance yourself, but your employer is responsible for this. Ask your employer what you are insured for. This will help you avoid incorrect or insufficient coverage.

It is wise to compare different insurers and professional liability insurance policies. It will give you a good idea of the insurer that can offer you professional liability insurance with the best coverage at the lowest price. There are several factors that determine the amount of premium for healthcare professional liability insurance. Consider, for example, your turnover, a possible group discount and the amount of your deductible. Would you prefer to outsource this puzzle tour? Alpina's insurance specialists will be happy to assist you and come up with an insurance that best suits your situation. Feel free to contact them at: 088-688 3712 or via our contact form.