21 May 2026
Insurance and indemnity are easy to treat as a box to tick once a year, until something goes wrong and the detail suddenly matters. Getting cover right, for both the clinic and every practitioner who treats in it, is a foundational part of running safely.
Cover the clinic and every practitioner
The clinic needs its own cover, and every practitioner who treats patients needs valid indemnity for the treatments they perform. A gap on either side, or a practitioner whose indemnity has lapsed, is exposure the clinic cannot afford.
Match cover to what you actually do
Cover should reflect your real treatment list and risk profile, not a generic policy bought years ago. As you add treatments or practitioners, the cover has to keep pace, which is exactly when gaps creep in.
Track renewals before they lapse
The most common failure is not the wrong policy but an expired one. Tracking every practitioner's indemnity and the clinic's renewals, and flagging them before they lapse, prevents a treatment being delivered uncovered.
Common questions
- Whose responsibility is practitioner indemnity?
- The practitioner holds it, but the clinic carries the risk if it lapses, so verifying it before anyone treats, and tracking renewals, is firmly in the clinic's interest.