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Industry Practice · Services, health & logistics

Clinics & Diagnostic Centres

Cover for diagnostic centres, dental clinics, polyclinics and specialty outpatient facilities, equipment, indemnity and premises.

Equipment breakdownProfessional indemnityPremises liability
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The sector

A scaled-down version of hospital risk, but the equipment is still the dominant exposure.

Diagnostic centres and clinics carry concentrated equipment value (imaging, lab analysers, dental chairs) with less workforce exposure than hospitals but similar premises and professional liability concerns. Cyber exposure is rising as electronic medical records become standard.

Risk profile

Where the exposure lives.

Clinics carry high-value equipment, professional liability and premises exposure. These are the four we scope first.

01
Equipment breakdown
Imaging machines, lab analysers and specialty equipment, high capex relative to clinic size, long lead-times for service.
02
Professional indemnity
Errors in diagnostic reports or treatment causing patient harm, rising medical PI activity in India.
03
Premises liability
Patient slip-and-fall, infection risk and visitor injury on clinic premises.
04
Patient record breach
DPDPA exposure for digital health records, especially with linked-aggregator practice.
Recommended cover

The programme we typically place.

Each cover below is a link to the policy page. The combination, the limits and the wording are what we negotiate on your behalf.

01
Plant & Machinery
Equipment breakdown for imaging, lab and dental equipment.
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02
Public Liability
Premises liability with medical-malpractice extension for clinic and centre operators.
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03
Cyber Insurance
Patient data breach and DPDPA notification cost cover.
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04
Office Package Policy
Bundled property, BI and contents cover for the clinic premises.
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Claim reality

What a claim tends to look like here.

A common claim involves breakdown of or damage to costly diagnostic equipment that halts services, or a professional-liability claim from a diagnosis or procedure. Premises perils such as fire and water damage are the other frequent triggers.

Questions

Questions we get in this sector.

Individual practitioners often carry personal professional indemnity in addition to the clinic's institutional cover. We confirm how the two layers interact so a claim is not left uncovered.
An equipment or breakdown policy can include an increased-cost-of-working element for downtime, beyond the repair cost. We add it where a single scanner outage materially affects revenue.
Yes, and the defence cost is the exposure rather than the award. Establishing that treatment was appropriate is expensive whether or not it was, and a small practice meets that cost from its own resources.
Not by the fire policy, which excludes the machine's own failure. Imaging and laboratory equipment is covered on an all-risk or breakdown basis, and the replacement lead time makes the resulting downtime a significant part of the loss.
It depends on how it is arranged. An individual practitioner policy follows the person; an institutional policy covers work done at that institution. A doctor working across several centres needs that checked rather than assumed.

Need a sector-specific risk review?

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