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Surgeons Medical Malpractice
What is this key facts document?
This is a summary of the cover provided by the Surgeons Medical Malpractice Policy. It does not include the full Policy terms and conditions, for full details you should consult your Policy document.
This Policy is a legal contract of insurance underwritten by CFC Underwriting Limited on behalf of certain Underwriters at Lloyd's.
Significant features & benefits
A comprehensive package Policy designed to meet the insurance needs of UK based medical practitioners, including:
A 24 hour medico legal helpline operated by specialists providing
Medical malpractice cover for clinical negligence
Professional indemnity cover for:
medico legal reports written by you and any expert witness work
evaluating the professional qualifications of healthcare professionals
the training and mentoring of healthcare professionals
your activities on a MAC or as an MAC Chair
The cost of a public relations firm to protect your professional reputation
Court attendance costs providing a daily monetary allowance to attend court
Defamation cover for liability arising out of any medico legal report written by you
Worldwide cover for Good Samaritans Acts
Run off cover providing continuous cover for a period of 25 years in the event of your retirement, permanent disablement or death
Public liability cover for injury to people at your work place
Cyber liability cover for cyber events (e.g. hacking attack or a virus), security breaches, identity theft, breach of data, computer damage and any financial loss incurred as a direct result
Legal defence costs:
to defend clinical negligence allegations
for GMC complaints or disciplinary hearings from private activities
for GMC complaints or disciplinary hearings from NHS activities
for criminal proceedings, including sexual misconduct and PACE interviews
for employment disputes, tax investigations, contractual disputes, health and safety at work and property disputes
for regulatory investigations stemming from security breaches
Risk management services including:
Significant and unusual exclusions
Whilst we try to offer the broadest cover possible, we do not provide cover for certain situations. A summary of the significant and unusual exclusions that appear in the Policy are listed below. However, it is important to read the full Policy.
- any matter known by you which you don’t tell us about before we agree to cover you
- any injury to your employees
- euthanasia or assisted suicide
- your failure to register with a statutory regulator
- you being under the influence of intoxicants or narcotics at the time you treated a patient or client. This does not apply to the criminal proceedings cover
- your ownership of a medical institution
- that part of any claim where another practitioner has provided clinical activities or services
- you selling, supplying or distributing products
- any clinical activities or services performed, or cyber events or security breaches occurring, before the retroactive date (which is stated in the Policy Schedule)
- any demand for a refund by a patient or client
- any disease transmitted by you
- any appeal following a first instance judgment in your favour from a review board or committee
You must maintain all records in accordance with any statutory, regulatory or clinical guidelines relating to the provision of your medical and clinical professional services.
Right of Cancellation
There is no cooling off period under this Policy but it may be cancelled with 30 days written notice by either you or us.
Duration of the Policy
Insurance policies normally run for a period of 12 months. We strongly urge you to review your Policy each year to ensure you have adequate cover in place.
Should you wish to notify a claim under this Policy, please contact the 24 hour medico legal helpline shown on your Policy Schedule. You must do this as soon as you can, but this must be before the expiry date of your Policy.
Our Regulatory Status
This insurance is underwritten by CFC Underwriting Limited, 85 Gracechurch Street, London, EC3V 0AA, United Kingdom on behalf of Underwriters at Lloyd's. CFC Underwriting Limited and the Lloyd's Managing Agents of the Syndicates on whose behalf we underwrite are authorised and regulated by the United Kingdom Financial Conduct Authority (FCA) FRN 312848. These details may be checked by visiting the FCA website at www.fca.org.uk/register. Alternatively the FCA may be contacted on 0845 606 1234.
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations to you in respect of insurance policies that we have underwritten on behalf of insurers. This depends on the type of business and the circumstances of the claim. In respect of general insurance business, such as this Policy, the FSCS will cover 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCA.
How to Complain
We intend to provide an excellent service to you. However, we recognise that there may be occasions when you feel this has not been achieved. If you are unhappy with any aspect of the service that you receive from us, please contact your insurance broker in the first in stance, stating the nature of your complaint, the Policy and/or claim number.
Alternatively, you can contact us directly at email@example.com or please write to:
The Chief Executive Officer,
CFC Underwriting Limited,
85 Gracechurch Street,
If after taking this action you are still unhappy with the response, it may be possible in certain circumstances for you to refer the matter to the Complaints team at Lloyd’s.
The address of the complaints team at Lloyd's is:
One Lime Street,
London, EC3M 7HA,
Telephone: 020 7327 5693,
Fax: 020 7327 5225,
One Lime Street,
Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint – How We Can Help” available at www.lloyds.com/complaints and are also available from the above address.
If you remain dissatisfied after Lloyd’s has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS):
The contact details for FOS are:
Telephone: 0800 023 4567 (calls to this number are free from “fixed lines” in the UK) or 0300 123 9123 (calls to this number are charged at the same rate as 01 and 02 numbers on mobile phone tariffs in the UK).
The FOS is an independent service in the UK for settling disputes between consumers and businesses providing financial services. You can find more information on the FOS at www.financial-ombudsman.org.uk.
The existence of this complaints procedure does not affect any right of legal action you may have against CFC Underwriting Limited or Lloyd's as detailed in the Choice of Law condition on the last page of your Policy.
CFC Underwriting Limited is Authorised and Regulated by the Financial Conduct Authority Registered in England and Wales FRN: 312848 Registered Office: 85 Gracechurch Street, London EC3V 0AA ©2016 CFC Underwriting Ltd, All Rights Reserved.