Medical Liability Insurance across Europe
Tailored Insurance & Risk Management Solutions for European Health & Care Professionals and Organisations
Prescription for protection
Health and care professionals across Ireland and Europe face growing complex risks, driving demand for holistic solutions combining insurance and risk mitigation services in one package.
Connecting the dots, we've pioneered a comprehensive approach that tackles all exposures head-on before they become issues.
Our Irish hub provides integrated insurance and risk management services across Europe through key partnerships. With expert medical and legal knowledge, we offer proactive risk mitigation, allowing health and care providers to focus confidently on quality patient care.
Unified Risk
Management
We simplify insurance buying with instant quotes and streamlined administration, eliminating traditional market silos.
Holistic
Solutions
Our tiered risk management product suite integrates both medical and legal expertise for comprehensive coverage.
Proactive
Mitigation
We empower clients to identify and address risks early, before they escalate into serious issues.
Bespoke insurance and risk services
Altea offers customised insurance solutions exclusively for health and care professionals and organisations. With long-term stability and multi-class policies, we write business directly and via delegated authority. Our one-stop service simplifies purchasing, while expert teams provide proactive risk management and compassionate claims handling. Explore our range of insurance solutions below.
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Medical Indemnity Insurance
Tailored coverage for your practice
Our policies go beyond providing standard cover for claims arising from professional medical negligence, errors, or omissions. With thoughtful additions and extensions to coverage and encompassing sophisticated risk management strategies and legal support - our customisable policies address the specific needs of healthcare providers.
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The policy is written on a claims made basis, including cover for:
- Claims on an ‘any one claim’ basis.
- Claims for negligent care or treatment that results in bodily injury, mental injury, illness, disease or death.
- Claims for negligent care or treatment in the course of providing care, treatment, testing or diagnosis of Covid or the after-effects of Covid that results in injury or death.
- Claims for Good Samaritans acts or alleged breach of any duty to rescue.
- Temporary work outside of territorial limits of up to 30 days included.
- Legal costs and expenses for these claims.
- Full limit for legal costs of representation in certain inquests and inquiries relating to claims under this section.
- Breach of confidence extension.
- Inquests and enquiries extension (independent of any claim).
- Libel and slander extension.
- Loss of or damage to documents extension.
- Plus, more extensions and endorsements available.
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General Liability Insurance
Protecting your organisation
Our side-by-side general liability insurance offers broad coverage for risks inherent to the healthcare industry on an occurrence basis - closing the gap between our Insured's professional and liability exposures. Whether it's slip and fall incidents, property damage, work-away exposures or reputational harm, we have you covered.
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The Policy is written on a claims occurring basis, including cover for:
Public Liability:
- Claims by visitors, third parties or service users for bodily injury, mental injury, illness, disease or death or property damage (not through treatment).
- Claims by visitors, third parties or service users for property damage.
- Claims by service users for abuse.
- Temporary work outside of territorial limits of up to 30 days included.
- Legal costs and expenses for these claims.
- Plus, more extensions and endorsements available.
Employers Liability:
- Claims by your employees for injury at work.
- Temporary work outside of territorial limits of up to 30 days included.
- Legal costs and expenses for these claims.
Products Liability:
- Claims alleging that a product you sold, supplied, distributed or manufactured caused someone bodily injury, mental injury, illness, disease or death.
- Claims alleging that a product you sold, supplied, distributed or manufactured caused someone damage.
- Legal costs and expenses for these claims.
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Professional Indemnity Insurance
Coverage tailored to professionals
Our cover can, as standard and to the same Limit, extend to safeguard your professional reputation outside the medical field, covering claims arising from acts, errors, omissions or misconduct, together with a broad range of customisable extensions and endorsements to provide you with the necessary peace of mind.
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The policy is written on a claims made basis, including cover for:
- Claims on an 'any one claim' basis.
- Claims alleging negligence in providing professional services other than treatment.
- Temporary work outside of territorial limits of up to 30 days included.
- Legal costs and expenses for these claims.
- Breach of confidence extension.
- Inquests and enquiries extension (independent of any claim).
- Libel and slander extension.
- Loss of or damage to documents extension.
- Plus, more extensions and endorsements available.
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AlteaPlus: Developed by Experts, for Professionals
AlteaPlus offers tiered, flexible risk management options tailored to individual needs and work environments. It addresses clinical, legal, regulatory, governance, and workforce risk factors specific to Irish and European healthcare markets, leveraging deep local knowledge.
AlteaPlus Benefits
All AlteaPlus members get access to:
- A tailored and market-specific risk management programme
- Practical, accessible content on highly relevant topics
- Tools to reduce harm to Insureds’ customers and to elevate practice standards
Managing risks with confidence
- Developed by healthcare law, risk management, and patient safety experts with deep local expertise
- Addresses common causes of complaints and claims
- Suitable for complementary therapists, beauty therapists, allied health professionals, and qualified health/care providers and organisations
- Regularly updated to reflect Irish and European health and care sector developments
For Brokers
- Differentiate your services with comprehensive risk solutions
- Increase client retention through ongoing value-added support
- Expand your portfolio with specialised health and care offerings
- Strengthen client relationships across their entire career span
- Access sector knowledge experts to better serve clients
- Streamline processes with instant quotes and efficient administration
- Enhance your reputation as a health and care industry specialist
- Tap into a growing market of health and care professionals seeking integrated solutions
For Health and Care Professionals
- Navigate professional complexities confidently
- Enhance patient trust and satisfaction
- Improve quality of care through risk-informed practices
- Reduce potential for patient complaints and claims
- Strengthen patient communication and informed consent processes
- Maintain a positive reputation in your community
- Demonstrate commitment to best practices and patient safety
Our Team
![Carly Matson](/_next/image?url=https%3A%2F%2Fmission-wp.pomeg.dev%2Falteainsurance-eu%2Fwp-content%2Fuploads%2Fsites%2F11%2F2023%2F11%2FCarly-Matson-Altea-Picture-1.png&w=3840&q=75)
CEO
Carly’s focus is ensuring Altea lives up to its mission of enabling clients to focus on the success of their business by delivering exceptionally innovative risk solutions; while also attracting and developing outstanding talent in the healthcare insurance and consulting space.
Thank you for arranging the cover for me. I very much appreciated it. Carly seems like a real mover and shaker and honestly, I am so delighted that you’ve introduced me to her…I think so much of what she said, makes perfect sense, and I don’t know why more Insurance professionals don’t have her forward-thinking attitude.
![Will Marshall](/_next/image?url=https%3A%2F%2Fmission-wp.pomeg.dev%2Falteainsurance-eu%2Fwp-content%2Fuploads%2Fsites%2F11%2F2023%2F11%2FWill-Marshall-PIcture-1.png&w=3840&q=75)
Head of Legal and Risk Management
Will came to Altea after spending more than 30 years as a leading lawyer in UK insurance healthcare litigation. Working at some of the major global insurance law firms, representing outstanding industry health and care sector providers he leads our AlteaPlus business and part of our London team.
He’s very experienced… tough and measured.
I rate Will. He knows what he’s doing and has extensive experience… He’s a great lawyer and deals with claims from multiple perspectives
Accreditation: Chambers and Partners “Clinical Negligence: Mainly Defendant” (2024 UK)
![Suchitra Ramakrishnan](/_next/image?url=https%3A%2F%2Fmission-wp.pomeg.dev%2Falteainsurance-eu%2Fwp-content%2Fuploads%2Fsites%2F11%2F2023%2F11%2FGrey-77051-2.png&w=3840&q=75)
Cross Class Underwriter
Suchitra brings over 17 years of experience in the insurance industry to her role as a Cross Class Underwriter. With a background spanning both reinsurance and insurance sectors, she possesses a diverse skill set in underwriting various product lines. Suchitra supports Altea with underwriting decisions for the company’s risks in the EU region.
![Yasmin Berhardt](/_next/image?url=https%3A%2F%2Fmission-wp.pomeg.dev%2Falteainsurance-eu%2Fwp-content%2Fuploads%2Fsites%2F11%2F2023%2F11%2FYasmin-Berhardt.FINAL-min-scaled-1.png&w=3840&q=75)
Underwriter
Yasmin brings extensive knowledge in the Healthcare and Aesthetics industries, gained through her experience at global specialty insurers, where she specialised in medical negligence and was recognised with the prestigious Davies Group National Apprenticeship Award.
Legendary turnaround – Thanks Yasmin!
The client has been very impressed with Altea’s and your response time!
Contact us
Have questions or need assistance? Reach out to our team of professionals. We're here to find the right insurance solutions for you or your clients.