Comprehensive Protection for Healthcare Professionals and Organisations

We've got you covered

Altea specialises in tailored insurance solutions exclusively for health & care professionals and organisations. With long-term stability and multi-class policies, we write business both directly and via delegated authority. Our effortless one-stop service simplifies purchasing, while expert teams provide proactive risk management and compassionate claims handling. Explore our range of insurance solutions below.

Medical Indemnity Insurance

Tailored coverage for your practice

Our policies go beyond providing standard cover for claims arising from professional medical negligence, errors, or omissions. With thoughtful additions and extensions to coverage and encompassing sophisticated risk management strategies and legal support - our customisable policies address the specific needs of healthcare providers.

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The policy is written on a claims made basis, including cover for:

  • Claims on an ‘any one claim’ basis.
  • Claims for negligent care or treatment that results in bodily injury, mental injury, illness, disease or death.
  • Claims for negligent care or treatment in the course of providing care, treatment, testing or diagnosis of Covid or the after-effects of Covid that results in injury or death.
  • Claims for Good Samaritans acts or alleged breach of any duty to rescue.
  • Temporary work outside of territorial limits of up to 30 days included.
  • Legal costs and expenses for these claims.
  • Full limit for legal costs of representation in certain inquests and inquiries relating to claims under this section.
  • Breach of confidence extension.
  • Inquests and enquiries extension (independent of any claim).
  • Libel and slander extension.
  • Loss of or damage to documents extension.
  • Plus, more extensions and endorsements available.

General Liability Insurance

Protecting your organisation

Our side-by-side general liability insurance offers broad coverage for risks inherent to the healthcare industry on an occurrence basis - closing the gap between our Insured's professional and liability exposures. Whether it's slip and fall incidents, property damage, work-away exposures or reputational harm, we have you covered.

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The Policy is written on a claims occurring basis, including cover for:

Public Liability:

  • Claims by visitors, third parties or service users for bodily injury, mental injury, illness, disease or death or property damage (not through treatment).
  • Claims by visitors, third parties or service users for property damage.
  • Claims by service users for abuse.
  • Temporary work outside of territorial limits of up to 30 days included.
  • Legal costs and expenses for these claims.
  • Plus, more extensions and endorsements available.

Employers Liability:

  • Claims by your employees for injury at work.
  • Temporary work outside of territorial limits of up to 30 days included.
  • Legal costs and expenses for these claims.

Products Liability:

  • Claims alleging that a product you sold, supplied, distributed or manufactured caused someone bodily injury, mental injury, illness, disease or death.
  • Claims alleging that a product you sold, supplied, distributed or manufactured caused someone damage.
  • Legal costs and expenses for these claims.

Professional Indemnity Insurance

Coverage tailored to professionals

Our cover can, as standard and to the same Limit, extend to safeguard your professional reputation outside the medical field, covering claims arising from acts, errors, omissions or misconduct, together with a broad range of customisable extensions and endorsements to provide you with the necessary peace of mind.

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The policy is written on a claims made basis, including cover for:

  • Claims on an 'any one claim' basis.
  • Claims alleging negligence in providing professional services other than treatment.
  • Temporary work outside of territorial limits of up to 30 days included.
  • Legal costs and expenses for these claims.
  • Breach of confidence extension.
  • Inquests and enquiries extension (independent of any claim).
  • Libel and slander extension.
  • Loss of or damage to documents extension.
  • Plus, more extensions and endorsements available.

Contact us

Have questions or need assistance? Reach out to our team of professionals. We're here to find the right insurance solutions for you or your clients.