How to prepare for the completely unexpected

You arrive at work to find a tree jutting through the surgery roof like a badly broken bone. It’s not going to be a great day but you could stop it getting worse by taking time to think about what you would do in the event of significant damage or a break-in at your premises.

Having practice insurance gives you peace of mind but dealing with an incident at your premises involves more than just telling your insurance company what’s happened. As practice manager it’s your responsibility to making sure things don’t spiral out of control and any impact on patients’ services is minimised.

Ensure premises are safe

In an emergency it’s easy to forget the basics like keeping employees, patients and other visitors to the premises safe. So if a tree has damaged your roof, your priority is to secure the area. If that’s not possible, direct people away from it until you can.

Prevent further damage or loss

You also have a duty to reduce the impact of any damage you’ve suffered and take steps to prevent the situation from deteriorating. Theft claims, for instance, are often made worse by the insured failing to secure the property and experiencing a subsequent theft.

The small print

Insurance policies include very specific instructions about when and how claims should be notified.  It’s important you follow these so that your claim is processed as swiftly as possible. So ensure you know how quickly you’re expected to get in touch and what information you need to provide.  It’s likely to include:

  • An estimate of repair costs
  • Photos of any damage
  • Other evidence including eye witness accounts, CCTV footage etc.
Towergate MIA recommends keeping a copy of your policy at home as you might not be able to access the original when you need it most.  

Have a Plan B

Significant damage could mean you’re unable to operate from your premises for a while so devise a Business Continuity Plan to deal with issues such as remote working arrangements, appropriate access to staff and patient contact information and temporary arrangements with other surgeries. Make sure it’s communicated to all employees and reviewed regularly.

Professional help

It’s only when you make an insurance claim that you realise how important expert help is.  Towergate MIA’s friendly, professional claims advisors can support you through the process and make sure your claim is settled quickly so you can get on with caring for your patients.

Towergate MIA is pleased to offer exclusive discounts to FPM members *:

  • 10% off specialist Surgery Insurance
  • 20% off specialist Locum Insurance
  • 10% off specialist Home Insurance

If you already have a policy with Towergate MIA, we offer a multi-policy discount when you buy additional policies through Towergate MIA.

Find out more at www.towergatemia.co.uk or call us 01438 739682.

*Please note discounts are only applicable to members of First Practice Management who are direct customers of Towergate MIA in Stevenage. We reserve the right to withdraw this discount at anytime without prior notice. 

Towergate MIA is a trading name of the Towergate Underwriting Group Limited. Registered in England No. 4043759. Registered address: Towergate House, EclipsePark, Sittingbourne Road, Maidstone, KentME14 3EN. Authorised and regulated by the Financial Conduct Authority.


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