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Commercial Legal Protection

A single clinical incident can trigger a cascade of legal complexities, potentially leading to clinical negligence claims, criminal investigations, inquests, and GMC inquiries.

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Commercial Legal Protection

Our “stand alone” Commercial Legal Protection product is designed to provide comprehensive coverage, offering financial protection and peace of mind to healthcare professionals that;
(i) have retired from private practice or (ii) are a full-time employee of the NHS.

Limits issued to policyholders from (1/1/14 to 30/9/21)
Claims handled
Access to
Education articles

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By mitigating the financial risks associated with legal proceedings, Commercial Legal Protection ensures that businesses can navigate legal challenges without compromising their operational stability. It is a valuable resource for businesses of all sizes, providing peace of mind and financial security in an increasingly litigious business environment.

The Benefits

With our Commercial Legal Protection, you can practice with confidence, knowing that you have robust support and protection every step of the way.

  • Coverage from the Rule 4 Stage
  • Legal Representation
  • Inquest Investigations Coverage
  • Police Investigations Coverage
  • Remediation Guidance
  • Specialist Medico-Legal Support
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Why Choose Us?

Contract of insurance
Secure contract of insurance underwritten by Lloyd's of London Syndicates and Medical Malpractice insurance companies.
Online application, quote and purchase
You can now apply and buy online 24 hours a day, 365 days a year.
Online learning
Earn CPD points via our online portal - coming soon!
£40m aggregate limit of indemnity
Highest individual contractual aggregate limit in the market.
Instant documentation
Certificate and Policy instantly available on purchase and held in our online membership area.
Cover your company
A company established solely for fiscal reasons is automatically covered.
Medico-legal advice 24/7
Advice and assistance from medically and legally qualified staff.
Comprehensive cover
Our policy wording has been written specifically for surgeons and, as far as we are aware, is the widest cover available.
Risk management
A wealth of risk management information is available to all of our members via our online portal.
21 years extended reporting period
Run-off cover can be triggered in the event of your death, permanent disablement or retirement, at no additional costs, from day one.
Court attendance costs
A daily cap of £500 for any day, or part-day, that you spend attending a hearing before a court, tribunal, review board or committee
Maternity, paternity and adoption leave
Up to 12 months extended reporting period available
Backed by financially secure insurers
Regulated and secure contract of insurance backed by A rated (A.M. Best) insurers and Lloyd’s of London syndicates.
Bespoke subscription
Using a complex rating model which takes into account all aspects of your private practice, we will provide you with a bespoke and highly competitive rate.
Additional support
A benevolent fund for non-medical issues arising from your practice but are not otherwise covered by insurance.

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What our clients say

At Incision, we are proud to offer our clients robust Commercial Legal Protection services. But don’t just take our word for it. Our clients attest to the difference we make:

Exceptional Support

From the very beginning, their team demonstrated professionalism, empathy, and a deep understanding of my legal requirements.

Legal Lifesaver

Thanks to their comprehensive coverage and exceptional service, my business has saved significant legal costs.

Smooth Resolution

Their expert legal counsel not only resolved the issue effectively but also ensured minimal disruption to my business operations.

Indemnity for surgeons FAQs

Commercial Legal Protection, also known as Business Legal Expense Insurance, is an essential safeguard for businesses, designed to cover legal costs and expenses that may arise from a variety of legal disputes and proceedings.

What does Commercial Legal Protection cover?

Commercial Legal Protection typically covers legal expenses for a range of issues, including employment disputes, legal defense, contract disputes, debt recovery, property protection, and compliance and regulation matters such as tax investigations. Coverage specifics can vary depending on the policy.

Is Commercial Legal Protection mandatory for businesses?

No, Commercial Legal Protection is not mandatory but is highly recommended. It provides a safety net for businesses against potential legal costs that can arise from disputes, litigation, or investigations.

How does Commercial Legal Protection differ from Professional Indemnity Insurance?

Commercial Legal Protection covers legal costs associated with defending or pursuing legal actions, while Professional Indemnity Insurance covers claims made against a business for professional negligence, errors, or omissions in the services provided.

What is the claim process for Commercial Legal Protection?

The claim process involves notifying the insurer as soon as you become aware of a potential claim or legal issue. You’ll typically need to provide details of the dispute or issue, along with any relevant documents. The insurer may then appoint a legal representative to handle your case.

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