Medical Practices
Medical Practice Insurance Claim Ireland
Fire, flood or escape of water can close a GP surgery, dental practice or clinic overnight, leaving patients without care and specialist equipment out of action. We manage your medical practice claim end to end so you recover the full cost of reinstatement and the income lost while your doors are shut.
CBI Regulated · No Win, No Fee · Trevor Kelly MSCSI MRICS
When Damage Hits a Practice
Damage to a medical practice is never just a building problem
When a GP surgery, dental practice, physiotherapy clinic or veterinary practice is damaged, the loss runs far wider than bricks and plaster. Treatment rooms become unusable, sterile areas are compromised, and a single burst pipe or fire can put a whole clinic out of action while patients who depend on you are turned away. The pressure to reopen quickly is immense, and that pressure is exactly when costly items get missed in a rushed settlement.
A medical practice is a tightly regulated, equipment-heavy, appointment-driven business, so the claim has to capture all of that, not just the visible building damage. We document every head of loss from the start: structural reinstatement, specialist fit-out, clinical equipment, patient record protection, and the income lost while you cannot trade. The insurer appoints a loss adjuster to protect the insurer’s position; we act only for you, so nothing that genuinely belongs in your claim is quietly left out.
- GP & dental surgeries treatment rooms and reception
- Clinics & consulting rooms physiotherapy and specialist practices
- Veterinary practices kennels, theatres and labs
- Pharmacies & health centres retail and clinical areas combined
Equipment & Fit-Out
Specialist equipment and fit-out cost far more to reinstate
The fit-out of a medical practice is highly specialised, and that is where settlements are most often underpaid. Dental chairs and delivery units, X-ray and imaging equipment, autoclaves and sterilisers, refrigerated drug and vaccine storage, surgical lighting, plumbed treatment bays and bespoke clinical cabinetry are not ordinary office contents; they are expensive, often built in, and frequently subject to manufacturer calibration and certification before they can be used on patients again.
Replacing these items is not simply a matter of buying new kit. There is decommissioning, removal, supply lead time, installation, recommissioning and validation, all of which carry cost and time. We make sure the schedule of loss reflects the true reinstatement cost of clinical equipment and fit-out, not a generic contents figure, and that secondary damage to plumbed, ducted and electrical services is fully captured. For the broader equipment and stock position, see our guidance on a business contents and stock insurance claim.
- Clinical equipment imaging, dental and surgical kit
- Cold chain stock vaccines and refrigerated medicines
- Bespoke fit-out treatment bays and clinical cabinetry
- Recommissioning calibration and certification to reuse
How It Works
How we manage your medical practice claim end to end
From the first call to the final payment, we act for you, the policyholder, while the insurer’s loss adjuster acts for the insurer. That structural difference is the reason it pays to have your own expert handling a complex clinical claim.
We attend the practice, assess the damage to building, fit-out and clinical equipment, and record the true extent before any quick clean-up, at no cost and no obligation.
We review your wording to confirm cover, then build a fully documented claim covering structure, specialist fit-out, equipment, records and business interruption.
We lodge the claim, manage the insurer’s loss adjuster, pursue interim payments where appropriate and negotiate every head of loss on your behalf.
We work toward the best possible settlement under your policy and see the practice properly reinstated, keeping you informed throughout.
Records, Data & Lost Income
Protecting patient records and the income you lose while closed
Patient records and clinical data are among the most sensitive assets a practice holds, and damage to paper files, servers or on-site systems carries obligations as well as cost. Reconstructing or restoring records, recovering data, and putting in place secure interim arrangements all take time and money, and these costs are easy to overlook in a settlement focused only on the building. We make sure the practical cost of protecting and restoring records and systems is identified and presented as part of your claim.
A medical practice runs on appointments, and every day your rooms are closed is income that does not come back on its own. For appointment-based practices, business interruption is often the largest part of the loss: cancelled clinics, lost list income, relocated or reduced trading, and the ongoing cost of wages and finance while you are shut. We build and evidence the business interruption claim properly so trading losses are recovered, not estimated away. Read more about a business interruption insurance claim, and where a leak or burst is the cause, see our commercial escape of water claim service.
- Records & data restoration and secure interim cover
- Lost appointment income cancelled clinics and list income
- Compliant reinstatement works that meet current standards
- No win, no fee our fee is a percentage of settlement
across Ireland since 2009
Central Bank of Ireland regulated. RICS/SCSI accredited. No win, no fee.
Client Feedback
Trusted by business owners across Ireland
A flood closed two of our treatment rooms and we thought we would be back open in a fortnight. They valued the damaged dental units properly, including recommissioning, and built a business interruption claim for the clinics we had to cancel. The settlement was far beyond what the adjuster first suggested.
When a pipe burst over our records room I was worried about both the building and our patient files. They handled the insurer from start to finish, secured an interim payment that kept staff paid, and made sure the cost of restoring records was part of the claim. A huge weight off our shoulders.
Common Questions
Your questions, answered
We work on a no win, no fee basis. Our fee is an agreed percentage of the settlement we secure for you, confirmed in writing before we start, so there is nothing to pay up front. If there is no settlement, there is no fee.
Make the premises safe, isolate water and electrics where needed, and protect equipment, stock and patient records from further damage if it is safe to do so. Take photographs and videos before anything is moved or cleaned up, and keep damaged items where you can. Then call us before a rushed clean-up hides the true extent, so clinical equipment and hidden damage are properly recorded from the start.
The timeline varies with the complexity of the loss, the specialist equipment involved and any drying or recommissioning period, so we will not promise a fixed date. We keep the claim moving and, where the position supports it, pursue interim payments so funds can reach you during the works rather than only at the very end.
Where your policy includes business interruption cover, yes. For an appointment-based practice this is often the largest part of the loss, covering cancelled clinics, lost list income and ongoing costs such as wages while you cannot trade. We build and evidence the business interruption claim properly so trading losses are recovered rather than estimated away.
Yes, we manage the claim end to end. We lodge the claim, handle the insurer’s loss adjuster, prepare the documentation and negotiate every head of loss on your behalf, so you can focus on caring for your patients rather than chasing the insurer.
Yes. We regularly take on claims that are already under way, including ones where an offer has been made or the claim feels stuck. We will review your policy and the position so far, free of charge, and tell you honestly whether we can improve the outcome before you accept anything.
We act for medical and healthcare practices across Ireland nationwide. We are based in Rush, Co. Dublin, regulated by the Central Bank of Ireland under Reg. No: C423441, and RICS/SCSI accredited.
Practice damaged and patients waiting?
Talk to us before the insurer does
Get a free, no obligation assessment of your medical practice claim from a Central Bank of Ireland regulated loss assessor. No win, no fee.
