Healthcare

Healthcare Sector Insurance

With over three decades of experience in the Private and NHS Healthcare sectors, Griffiths & Armour supports nearly 30% of NHS Foundation Trusts across the UK. We use our expertise to help Healthcare clients identify uninsured exposures, tailor commercial insurance solutions to address these gaps, and offer compliant procurement options to safeguard financial stability.

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What type of risks do NHS Healthcare institutions need to manage?

While the NHSR Schemes provide broad coverage, there are gaps that can leave Foundation Trusts exposed. For example, Property Damage cover is capped at £1,000,000, which may not be enough to manage large-scale incidents such as fire, flood, or water damage. Events like these can lead to severe financial losses for Trusts, threatening both services and financial stability.

Additionally, NHS Trusts face emerging risks like cyber threats and specific liabilities related to capital projects and specialized services, including clinical trials and telehealth. Griffiths & Armour offers solutions to ‘plug’ these gaps, ensuring that each risk is fully managed.

Why should NHS and Healthcare entities choose Griffiths & Armour?

As a leading broker in the Healthcare sector, Griffiths & Armour understands the unique challenges faced by healthcare organizations. With bespoke solutions tailored specifically to Foundation Trusts, we help NHS clients identify gaps in their current protection, access commercial insurance solutions to address those gaps, and provide a compliant procurement pathway.

Our services go beyond just insurance, offering guidance on new risks and helping NHS Trusts manage their evolving needs. This commitment to service and expertise makes Griffiths & Armour the preferred choice for many Trusts across the UK.

What classes of insurance should Healthcare institutions consider?

Property insurance

Property insurance for NHS Trusts offers peace of mind by covering financial losses from property damage, such as fire or flood, which can have severe operational impacts. Our policies provide added protection beyond NHSR PES coverage, ensuring that your Trust can recover quickly and continue providing essential services. With Griffiths & Armour, you gain a reliable partner that understands the healthcare sector’s unique needs, safeguarding your facilities so you can focus on delivering quality care.

Clinical Trial Risks

Clinical trials within the healthcare sector involve complex risks, even with thorough research and stringent safety measures. It’s crucial for NHS Trusts to protect both researchers and participants, covering potential liabilities related to long-term side effects or errors in the trial process. Griffiths & Armour offers specialized coverage that addresses these unique risks, enabling healthcare organizations to conduct essential research with confidence and comprehensive support.

Capital Projects

NHS capital projects often involve unique challenges, from adhering to modern construction methods to preserving listed buildings and meeting specific insurer requirements. Navigating these risks and contract complexities is essential to ensure projects meet both building regulations and insurance standards. Griffiths & Armour provides insurance solutions for construction, covering everything from contract works to latent defects, so your Trust can focus on expanding and improving healthcare facilities.

Motor Fleet insurance

Your Motor Fleet is vital for day-to-day operations, whether transporting patients or delivering supplies. Our motor fleet insurance offers protection against accidents, theft, and third-party liability claims, ensuring minimal disruption to services. With Griffiths & Armour, Trusts benefit from bespoke coverage tailored to the healthcare sector, keeping your vehicles on the road and safeguarding your organization against financial impacts from incidents

Professional Indemnity insurance

Professional Indemnity (PI) insurance can help to protect you if your services or advice result in losses or damage for your clients, the public or other third parties – even years after the services were provided. PI insurance can help cover the costs of any compensation and legal fees that arise as the result of a claim against advice provided by you.

Liability Risks

Healthcare organizations face significant liability risks, including public and professional liability exposures linked to patient care and third-party interactions. Griffiths & Armour helps NHS Trusts navigate these risks with policies designed to address healthcare-specific challenges, from indemnity for non-NHS income generation activities to liability cover for medical professionals. Our insurance solutions allow Trusts to operate confidently, knowing they are fully protected against liability claims.

Cyber insurance

The healthcare sector is increasingly vulnerable to cyber threats, where data breaches or ransomware attacks can lead to severe financial and reputational damage. Cyber insurance from Griffiths & Armour covers response costs for breaches, extortion incidents, and denial of service attacks, ensuring NHS Trusts have the support they need to recover quickly. By protecting sensitive data and securing digital assets, we help Trusts continue operating safely in a connected world.

Miscellaneous insurance

G&A can assist with all the commercial insurance requirements of all NHS Healthcare Sectors, including inter alia Motor, Personal Accident, Overseas Travel, Kidnap & Ransom, Deterioration of Stock, Engineering Statutory Inspections, Drones, Charity Trustee Indemnity, plus cover for Wholly Owned Subsidiary Companies.

Beyond Protection

Beyond Protection is our end-to-end support designed to empower your business at every stage.

We mitigate potential risks and enhance long-term business operations through our cutting-edge risk management platform.

Risk management platform

We work closely with you to manage your claims efficiently, for a seamless experience.

Claims management

Our expert team uses leading insights to analyse macro and regulatory environments so we can help find cover for risks where others would struggle.

Market insight

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FAQs

How does Griffiths & Armour support NHS Foundation Trusts with specific risk gaps?

We specialize in identifying and filling gaps in NHSR Risk Pool scheme protections. By understanding your Trust’s particular risks, we tailor commercial insurance solutions, including ‘top-up’ covers for Property Damage and Business Interruption, to minimize potential financial impacts.

There are also certain exclusions under NHSR LTPS that relate to some NON-NHS Income Generation Activities and Clinical Trials. Even if you are not Sponsoring a Trial, you need to consider some risks that the Sponsor will not be providing you Indemnity for alleged errors relating to the design, development and or delivery of a Trial i.e. errors in the way in which a trial is created. Such risks may include Clinical Monitoring, Quality Assurance, Regulatory Affairs, Medical Writing, Data Management, and or Patient Recruitment relating to the Trial.

How does cyber insurance work for NHS Foundation Trusts?

Our cyber insurance solutions offer comprehensive coverage, addressing risks from data breaches to identity fraud and ransomware attacks. Provided certain security standards are met, our cover includes breach response costs, extortion coverage, and virus transmission, among other protections.

What are the procurement options available to Trusts through Griffiths & Armour?

Griffiths & Armour ensures that all insurance solutions comply with PCR 2025 and the new Procurement Act 2023 guidelines. Griffiths & Armour are appointed under the CCS Broking Framework, placing all cover via the CCS RM6138 Insurance DPS Framework. We provide transparent options and a clear pathway, ensuring compliance and simplifying the purchasing process.We provide transparent options and a clear pathway, ensuring compliance and simplifying the purchasing process.