Medical
indemnity.
On the pulse.
You buy medical indemnity hoping you never need to use it. But the real test is more than the price and the paperwork – it's what happens when you call.
FCA regulated
AA+ rated insurers
Exclusive to healthcare
Specialist claims handlers
Cover you can count on
At PMP, you’re supported by experienced healthcare claims and legal experts who move fast to protect you. So, if that day comes, you know you have cover you can count on.
Defending your reputation
In private practice, reputation is everything. That’s why we’re not just here to process claims, but to protect your career – providing top medical lawyers who understand your world and work relentlessly to defend your name.
Protecting your finances
Medical negligence claims carry serious financial risk. Unlike other policies, ours are backed by the long-term AA+ financial strength of Berkshire Hathaway International Insurance Ltd, with the resources to handle claims smoothly and pay out when it matters.
Supporting your journey
Clinical practice can be unpredictable. When you need clarity in complex situations, our dedicated experts are ready to respond. Our 24/7 medico-legal helpline gives you expert guidance and peace of mind throughout your career.
Practice with confidence
When your professional practice is under scrutiny, you need more than a policy – you need capable people you can trust by your side. At PMP, our team combines proven expertise and personal support so that you can practise with confidence.
Contractual certainty
Unlike discretionary cover from medical defence organisations, our medical liability insurance is guaranteed under contract. If things go wrong, it won’t let you down – you’re clear about what’s covered and certain of legally enforceable protection. *
Stable pricing
Get more value from your premium with accurate pricing that’s tailored to reflect your professional circumstances. Unlike providers who frequently change carriers, our close relationship with underwriters, MedPro**, keeps prices sustainable and predictable.
Plain and simple
Medical indemnity doesn’t have to be complicated or stressful. We make it easy to understand and simple to arrange. Our clear policy wording and guidance helps you secure the right cover quickly, so you can focus on your real job.
Right for you
Medical careers aren’t all the same. As the only commercial UK provider offering both claims made and occurrence policies, we give you the flexibility to choose the structure that best fits your practice today and plans for the future.
Expert claims service
Unlike general insurers, our team specialises exclusively in medical negligence. You deal directly with experienced experts who understand clinical practice, with consistent support from the same knowledgeable people rather than anonymous claims handlers.
Protection that lasts
Claims can arise years after treatment. No matter your policy type, our policies will protect you long after you stop practising and give you peace of mind in the years ahead. Our claims made policies include free, indefinite run-off cover after retirement as standard.
*Subject to terms and conditions
**MedPro is a trading name of Berkshire Hathaway International Insurance Limited
Claims Made
Claims made insurance provides protection for the work you carry out, but it operates differently from occurrence cover. Below is an overview of how this policy works.
The policy limit covers claims made in each policy year. You are also covered for any claims arising out of circumstances you have notified to your insurer during the policy period. The cover extends back to your ‘retroactive date‘ which is usually the date your first claims made insurance policy started.
You will be provided with an annual limit of indemnity (LOI) which applies for claims that arise from treatment undertaken after your retroactive date until the expiry of your active policy.
Claims made example
In this example, the insured is covered by a claims made policy with a retroactive date of June 2024. The treatment in question is carried out in 2025, and a potential claim or circumstance is reported to the insurer in 2026. The 2026 policy will respond to this and should a formal claim be filed years later this 2026 policy will still respond.
Occurrence
Occurrence based insurance works differently from claims made cover, and it’s important to understand how this type of policy responds to incidents over time The key feature of an occurrence policy is that it links to the policy in place when the treatment took place, rather than when a claim is made. Here’s a straightforward explanation of how occurrence cover operates.
Occurrence example
In this example, the insured is covered by an occurrence policy. The treatment in question is carried out in 2025, and
a claim is reported to the insurer in 2026. The 2025 policy will respond to this.
Claiming with PMP
You call. We respond.
At PMP, you’re supported by experienced healthcare claims and legal experts who move fast to protect you.
Expert claims service
You deal directly with experienced experts who understand clinical practice, with consistent support from the same knowledgeable people rather than anonymous claims handlers.
Always by your side
When complex situations arise, our responsive claims team moves quickly to support you, providing reassurance and expert guidance and helping to protect your professional reputation.
Trusted by medical professionals
What our members say about their experience with PMP
We’ve got you covered
Everything you need to know about PMP medical indemnity insurance.
Explore cover
Medical malpractice
Protection against bodily injury claims arising from professional medical services you provide to patients.
Professional indemnity
Protection for claims arising from medico-legal work, medical reports, Unintentional defamation, or unintentional breaches of professional confidentiality.
Death, disablement or retirement
Claims made policies include free, indefinite ERP cover after you stop practising due to death, disablement or permanent retirement.
Public liability
Protection against claims from third parties for injury or property damage occurring on your premises.
Good Samaritan acts
Worldwide protection when providing emergency medical assistance in good faith outside your usual professional setting.
Humanitarian aid
Worldwide cover for medical work undertaken, directly with a recognised humanitarian aid organisation or association, for up to 60 days in each policy period.
Regulatory and Disciplinary Defence Costs
Cover for legal costs associated with regulatory investigations or disciplinary proceedings relating to your professional practice.
Cover for formal tax investigations
Protection for professional fees and costs associated with formal aspect or full enquiry by HM Revenue & Customs relating to your professional medical services.
Coroner’s inquest or fatal accident inquiry representation costs
Cover for legal representation at a Coroner’s Inquest or Fatal Accident Inquiry connected to your professional practice.
Document replacement costs
Cover for the cost of replacing, restoring or reconstructing physical documents that are lost, damaged or destroyed while in your care and connected to your professional practice.
24/7 medico-legal helpline
Round-the-clock access to advice and support from legally qualified healthcare specialists.
Cover for work on professional sports people
Protection for clinical services provided to professional sportspeople where no formal contract or agreement exists with a sports club.
Switching from an MDO
A move to PMP gives you enhanced security to meet your specific practice requirements.
Moving from an MDO (Medical Defence Organisation) to PMP is straightforward. The move signifies a shift from discretionary membership to the certainty of a contractual policy. In addition, PMP gives you the advantage of choice. PMP, uniquely in the UK healthcare indemnity market, can offer you contractual claims made and occurrence policies.
With PMP, you can make this move confidently, knowing you have a committed partner dedicated to safeguarding your professional journey. Our tailored indemnity solutions are designed to empower you, offering choice, and the guarantee of comprehensive contractual protection.
In-depth consultation
Engage in a thorough discussion with your one of our sales executives to explore the choices available to you. They will provide comprehensive insights into the policies and options that best align with your professional needs.
Effortless application
Streamline the move by completing the online application form or get the support from one of our sales executives. Our application process is designed to be straightforward and hassle-free.
Acceptance of quote
Once you have carefully reviewed your options and are happy with your chosen policy, you can accept the quoted terms directly through our online portal. There’s no need for printing, paperwork or hand-signing — everything is completed quickly and securely online. This simple step confirms your cover, giving you confidence that your practice is protected and your peace of mind assured.
Frequently asked questions
Our policies are carefully designed to protect medical professionals.
Coverage & Protection
PMP provides a comprehensive package of contractual insurance coverages including Medical Malpractice, Professional Indemnity, and Public Liability (subject to terms and conditions). Our policies are designed to support consultants facing clinical negligence claims, medico-legal disputes, and regulatory investigations. Every policy is underwritten by Berkshire Hathaway International Insurance Limited, trading as MedPro, providing the security of an AA+ financial rating*.
*AA+ rating provided by S&P – correct as of May 2026
Contractual medical indemnity from PMP offers legally binding cover*, whereas MDO cover is often discretionary, meaning the organisation can choose whether or not to support a claim. As a leading provider of UK medical indemnity insurance, PMP ensures consultants have a contractual right* to be defended. Our policy wording is transparent, providing a “Plain English” contract that defines exactly when and how you are covered.
*Subject to terms and conditions.
Yes, PMP is unique in the UK market for offering consultants the choice between occurrence cover and claims made policy structures. This flexibility allows UK private practice consultants to select the coverage model that best fits their long-term career trajectory. Whether you prefer the “occurrence” model or “claims made” structure, both options provide full contractual certainty*.
*Subject to terms and conditions.
Switching & Applications
Switching to PMP is a streamlined process that can begin with either a Quick Quote to establish a baseline for your premium, a full application or a simple phone call to our team. Once you decide to proceed, our team handles the transition details to ensure you are clear on your new professional protection. We can provide expert guidance on managing your retroactive exposure if you are moving from a claims made provider.
You can obtain an indicative quote via our website’s Quick Quote contact option, which requires only your speciality and estimated gross private income. Our team will review this high-level information and provide a rough indication of premium This is specifically calibrated for UK private practice consultants, giving you a fast initial indication of pricing. For a formal, binding offer, our online application platform allows you to submit your full practice details and history for a thorough professional assessment.
PMP offers retroactive cover to ensure that consultants transitioning from other claims made insurance providers remain protected for past clinical work. This is a critical component of our insurance UK offering, designed to indemnify you for claims costs and to protect your reputation from the moment your policy goes live. We ensure that your “Retroactive Date” is clearly defined in your policy schedule to prevent any uninsured periods during your insurer transition.
Claims & Support
Consultants should notify us of any claim, complaint, incident, or potential claim by completing the Claims Notification Form in their Client Portal. Prompt notification is a condition of your insurance contract and ensures our specialist claims team can provide timely tactical advice which can mitigate loss.
The requirements outlining what must be reported and the relevant timeframes are set out clearly in your policy terms and conditions.
Claims are defended by our expert panel of specialist healthcare lawyers, who are skilled in defending the professional reputations of UK consultants.
PMP utilises a panel of the UK’s leading healthcare law firms to provide a robust defence for every policyholder that requires this resolution. Because our cover is underwritten by MedPro (a trading name of Berkshire Hathaway International Insurance Limited), dedicated exclusively to healthcare liability insurance, we have the experience and relationships to deploy the best legal minds in the country. This ensures that UK private practice consultants are defended by experts who recognise the nuances of both the NHS and private healthcare sectors.
Yes, PMP provides a 24-hour emergency medicolegal helpline to ensure our clients have access to professional support whenever a crisis arises. This service is staffed by solicitors who provide immediate support and advice on issues arising out of clinical and regulatory issues including for example guidance on patient incidents, consent issues, or regulatory concerns as well as general legal advice arising out of work-place issues. This constant availability demonstrates our commitment to being your insurance provider, your dedicated partner in your professional practice.
Regulation & Quotes
PMP is a trading name for HSIG which is fully authorised and regulated by the Financial Conduct Authority (FCA). This regulatory oversight provides UK consultants with peace of mind regarding our commercial conduct and financial transparency. Unlike some discretionary providers, our status as a regulated insurance broker means our clients benefit from the protections of the Financial Services Compensation Scheme (FSCS) and the Financial Ombudsman Service.
PMP policies are underwritten by Berkshire Hathaway International Insurance Limited (trading as MedPro), which maintains an AA+ (S&P) financial rating. This is one of the highest ratings in the global insurance industry, ensuring that our consultants are backed by exceptional financial strength. For consultants, this provides confidence in the insurer’s ability to meet even the most significant long-term indemnity liabilities*.
*Subject to terms and conditions
Still have questions?
Contact our team