Medical
indemnity.
On the pulse.

PMP provides a comprehensive suite of contractual insurance coverages including Medical Malpractice, Professional Indemnity, and Public Liability. Our policies are designed to protect consultants against clinical negligence claims, medico-legal disputes, and regulatory challenges. Every policy is underwritten by Berkshire Hathaway International Insurance Limited, providing the security of an AA+ financial rating.

Contractual medical indemnity from PMP offers legally binding protection, whereas MDO cover is often discretionary, meaning the organisation can choose whether or not to support a claim. As a leading provider of medical indemnity UK, PMP ensures consultants have a guaranteed right to be defended. Our policy wording is transparent, providing a “Plain English” contract that defines exactly when and how you are protected.

Yes, PMP is unique in the UK market for offering consultants the choice between occurrence-based 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 traditional “occurrence” model or the modern, lower-entry-cost “claims-made” structure, both options provide full contractual certainty.

Switching to PMP is a streamlined, consultant-led process that begins with a Quick Quote to establish a baseline for your premium. Once you decide to proceed, our team handles the transition details to ensure there are no gaps in your professional protection. We provide expert guidance on managing “Run-off” or “Tail” cover if you are moving from a claims-made provider, ensuring a seamless move to our AA+ rated insurance.

You can obtain an indicative quote via our website’s Quick Quote tool, which requires only your speciality and estimated gross private income. This tool is specifically calibrated for UK private practice consultants to provide immediate market feedback. For a formal, binding offer, our online application platform allows you to submit your full practice details and history for a swift, professional assessment.

PMP offers retroactive cover to ensure that consultants transitioning from other insurance providers remain protected for past clinical work. This is a critical component of our insurance UK offering, designed to protect your reputation and assets 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 career transition.

Consultants should immediately contact the PMP 24/7 Medicolegal Helpline to speak with a legally qualified specialist. Early notification is a requirement of our contractual insurance and allows our team to provide immediate tactical advice to mitigate risk. Our claims process is managed by an expert panel of specialist healthcare lawyers who focus exclusively on 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. Because our cover is underwritten by MedPro (a Berkshire Hathaway company), we have the commercial scale 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 specialists who provide immediate guidance on patient incidents, consent issues, or regulatory concerns. This constant availability demonstrates our commitment to being more than just an insurance provider; we are a dedicated partner in your professional practice.

PMP 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.

Premiums are calculated based on a risk-reflective model that considers your clinical speciality, your annual gross private earnings, and your claims history. This bespoke approach ensures that consultants in the local market pay a fair price that accurately reflects their specific practice profile. By avoiding the “flat-fee” structures of some organisations, PMP offers more competitive rates for lower-risk profiles while maintaining high-limit protection.

PMP policies are underwritten by Berkshire Hathaway International Insurance Limited (MedPro Group), which maintains an AA+ (Superior) financial rating. This is one of the highest ratings in the global insurance industry, ensuring that our consultants are backed by immense financial stability. For a consultant, this means absolute confidence that funds will be available to meet even the most significant long-term indemnity liabilities.