Sector: Private healthcare  |  Clinics: 11  |  Clinicians: 240+

The situation

The group had expanded from diagnostics into minor surgical procedures and remote consultations over three years. Its professional indemnity policy had been renewed each year on broadly expiring terms, with the activity description unchanged since the original placement.

What we found

A review of the wording against the current service catalogue identified three material issues:

• The insured activities schedule did not include the surgical procedures now performed at four sites.
• Telehealth consultations were not addressed at all, and the territorial wording created ambiguity for patients treated while abroad.
• Cover operated on a claims-made basis with no run-off provision for two clinician entities that had been wound up during a restructure.

What we did

We paused the renewal, rebuilt the activity schedule from the group’s own clinical governance records rather than the previous submission, and took the corrected picture to specialist medical malpractice markets. Retrospective cover was negotiated for the undisclosed activities, and run-off arranged for the dissolved entities.

The result

• Full cover confirmed for surgical and telehealth services, with retroactive effect to the date each began.
• Run-off placed for both dormant entities, protecting directors from historic exposure.
• Limit restructured to a group tower with per-clinic reinstatements.
• Premium rose by 14% — against an uninsured exposure the board had not known existed.

Why it worked

The gap was not caused by anything unusual. It was caused by a business that changed faster than its paperwork. Rebuilding the submission from clinical records instead of last year’s document was the entire exercise.