Medical Centre Group – Policy Active in Three Days

A healthcare group operating multiple medical centres across NSW came to us with a problem. They needed Professional Indemnity cover for their admin staff and vicarious liability protection in case a claim came through against one of their contracted GPs.

The situation was more complex than it first appeared. When we reviewed their existing insurances, we discovered several issues:

• One policy had been incorrectly classified as "Pharmacy Retail Operation" instead of Medical Centre
• Another policy had lapsed during a broker transition
• There were gaps in coverage that left the business exposed

They needed the right cover, and they needed it fast. Some policies were already expired, and they couldn't operate without proper Medical Malpractice insurance in place.

We started with a complete audit of their existing insurances across all entities. This gave us a clear picture of what was covered, what had lapsed, and where the gaps were.

Our approach was systematic:

• Full insurance review: We went through every policy across the group to identify exactly what needed attention
• Multiple market quotes: We approached several specialist underwriters to ensure competitive pricing and appropriate cover
• Retroactive date negotiation: For claims-made policies, protecting the retroactive date is critical. We negotiated with underwriters to match previous retroactive dates, ensuring no gaps in historical coverage
• Coordinated placement: We structured the placements so all entities were covered under consistent terms

We sourced quotes from multiple specialist underwriters and presented options that actually fit the risk profile of a medical centre group.

Medical centre insurance is specialist territory. The combination of vicarious liability for contracted GPs, admin staff cover, and the specific exposures of a healthcare practice means most generalist insurers won't engage.

The incorrectly classified policy was a particular concern. If a claim had come through while the business was listed as a "Pharmacy Retail Operation," there could have been coverage disputes. Getting this corrected and properly documented was a priority.

The retroactive date negotiation was equally important. Medical Malpractice insurance is typically claims-made, meaning the policy that responds to a claim is the one in force when the claim is made, not when the incident occurred. Losing retroactive coverage could have left the business exposed to claims arising from past treatments.

We had everything sorted within three days of first contact:

The policies were placed through a specialist healthcare underwriting agency that understood the specific needs of medical centre operations. The retroactive dates were matched to the original policy inception dates, ensuring complete historical coverage.

We also identified significant premium savings compared to what they'd been quoted elsewhere. One location came in at roughly 40% less than competing quotes for equivalent cover.

The group now has a single broker managing all their insurance needs, with a clear schedule of renewals and coordinated coverage across all locations.