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How to cover the risks in your practice
20.08.2025 | Sandra BiraghiA medical practice usually has high-quality equipment and stores temperature-sensitive items. Practices also work with sensitive data and bear a great responsibility towards their patients. Having good insurance cover pays off.
How to cover the risks in your practice
Liability insurance for third-party claims for damages
Despite all due care being taken, patients sometimes wish to hold their doctor accountable for health issues. Our business and professional liability insurance helps you defend yourself against unjustified claims. In the event of justified claims for damages, for instance in the event of misdiagnosis or treatment errors, it will cover the costs and protect you from risks that could jeopardise your livelihood.
Property insurance for practice inventory
Property insurance replaces the movable goods and equipment on your practice premises following water damage, a fire or a break-in. In addition to replacing the goods, property insurance also covers the loss of income after such an event and reimburses you for the additional expenses incurred, for example if samples from a medical examination have become unusable as a result of the event and the examination must therefore be repeated.
If your cooling systems fail and the cold chain is interrupted, the spoilage of medication, blood samples and laboratory samples is insured, too. Other risks such as glass breakage can be included individually.
Technical insurance for your medical devices
High-quality medical devices or IT infrastructure can also fail for other reasons, such as collision, breakage or cracks caused by internal or external influence or wilful damage. That’s why it’s worth taking out technical insurance. The costs of restoring data if your IT system is damaged are also insured.
Protection against cyber risks
Anyone who works with sensitive data such as patient information bears a great responsibility. It is therefore important to protect digital data particularly well. In addition to preventive measures, cyber insurance is also worthwhile. If you need to make a claim, Helvetia is there when it really matters, with professional support from specialist partners. Amongst other forms of assistance, Helvetia provides help with analysing the damage and restoring data and systems. It also covers the resulting costs within the scope of the insurance.
