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Insurance for the healthcare sector
In healthcare, liability towards patients is the central risk, but not the only one: high-value equipment, health data and buildings that cannot close.
Activities we advise on
Oller Brokers has been an insurance broker since 1952. It advises businesses in the healthcare sector on the design, placement and review of their insurance programmes, with access to more than 70 insurers.
We advise private groups. We review the whole programme or the policy that weighs most, usually medical malpractice liability, to improve cover and terms.
- Hospital groups and clinicsPrivate hospitals, clinics, diagnostic centres, medical and dental centres, laboratories, etc.
- Care homes and elderly careCare homes, day centres, home care, social and healthcare services, etc.
Risks and cover
Choose a risk to see which insurance covers it in the programme of a company in the sector.
Risk
Medical liability
Patient claims for errors in diagnosis, treatment or care.
How it is covered
Risk
Medical equipment
Damage to and breakdown of high-value diagnostic and treatment equipment.
How it is covered
Risk
Health data
Cyber attacks and leaks of specially protected data.
How it is covered
Risk
Residents and service users
Falls and injury to dependent people in their care.
How it is covered
Risk
Continuity
A loss at the facility forces patients to be transferred and halts activity.
How it is covered
Insurance they typically need
Every company is different. These are the policies that carry most weight in the programme of a company in the sector.
- Medical malpractice liabilityPatient claims arising from healthcare provided.
- General liabilityDamage to third parties caused by the business activity and premises.
- All risks property damageBuildings, machinery and stock against any damage not excluded.
- Equipment breakdownInternal breakdown of diagnostic and treatment equipment.
- Business interruptionYour margin and fixed costs while operations are halted by a loss.
- Cyber insuranceIncident response, business interruption and data-related claims.
- D&OClaims against directors and officers for their management decisions.
- Employee benefitsHealth, life, accident and savings as part of the remuneration package.
Two ways to get started
Full programme review
We analyse all your policies together: duplicated cover, gaps, sums insured, deductibles and exclusions. We then present alternatives from different insurers.
Review of a specific policy
A renewal with a premium increase, a contract requiring new cover or a poorly resolved claim. We examine that policy and look for better terms.
Large risk programmes
A medium-sized or large company does not need a stand-alone policy, but someone to design, place and defend a complete programme. That is what we have been doing since 1952. See more
- Risk analysisWe study the business's activities, facilities, contracts and claims history. Working with specialist firms, we also offer a risk management service.
- Properly valued sums insuredWe review insured values and business interruption so that a claim payment is not reduced due to underinsurance.
- Access to the whole marketMore than 70 Spanish and international insurers, underwriting agencies and Lloyd's through coverholders.
- Co-insurance and excess layersWhen a risk exceeds one insurer's capacity, we spread it through co-insurance and structure it in as many excess layers as needed.
- International programmesFor groups with subsidiaries outside Spain, we coordinate international programmes that comply with each country's regulations.
- In-house claims teamSupports the business from notification through to settlement and defends its position with the insurer.
Frequently asked questions
What does medical malpractice liability insurance cover?
Compensation to patients for harm caused in the course of healthcare and the legal defence of the facility and, depending on the policy, of its professionals.
Do doctors need to take out their own insurance?
It depends on their relationship with the facility. We check whether the facility's policy covers the professionals who work there.
Why does a clinic need cyber insurance?
Because it holds health data, which is especially sensitive, and depends on its systems to treat patients.
Other sectors
Can't see your sector? We work with businesses in every field.
Let's talk about your business
We review your insurance programme, or the policy you're concerned about, with no obligation.