What does Private Ambulance Insurance cover?

MEDICAL MALPRACTICE INSURANCE

This covers the cost of legal defence should a claim be made against you or your medical staff. It also covers any subsequent damages for acts, errors and omissions as a result of medical negligence.
MOTOR INSURANCE

We offer comprehensive insurance for ambulance fleets and individual vehicles, including accidental damage, fire, theft and third-party risks. Cover can be arranged for many classes of road use, including blue light, patient transfer and first responder activity.
EMPLOYERS' LIABILITY INSURANCE

If your private ambulance company has employees, this cover is a legal requirement. It protects you against the cost of compensation claims should an employee sustain an illness or injury as a result of your negligence while working for you.
PUBLIC & PRODUCTS LIABILITY INSURANCE

Public Liability insurance is a key part of any comprehensive business insurance policy. It pays out if a third party suffers injury or damage to their property as a result of your negligence. Products Liability insurance pays out if you supply a defective or faulty product, protecting you against third-party claims in the event of injury or damage.
DIRECTORS & OFFICERS LIABILITY INSURANCE

Also known as D&O insurance (or Officers Liability Insurance) it protects the personal liability of business directors and key managers for alleged ‘wrongful acts’. Wrongful acts include breach of trust and breach of duty.
AIRSIDE LIABILITY INSURANCE

Public Liability and vehicle policies don’t always cover airside risks. Airside Liability provides protection for third-party general and vehicle liability for property damage, and/or bodily injury when airside.
COMMERCIAL COMBINED INSURANCE, INCLUDING ALL RISKS

This policy brings together a range of covers. It is often required for fixed assets and portable medical equipment. Portable medical equipment is not typically covered by motor insurance. This policy ensures vital equipment is protected both inside and outside of your vehicles.
PROFESSIONAL INDEMNITY INSURANCE

Also known as PI Insurance, Professional Indemnity cover protects you if a client claims for financial loss due to poor advice or negligence – for instance, if you provide negligent or incorrect training to external third parties.
BUSINESS INTERRUPTION INSURANCE

If an insured incident results in a loss of income for your private ambulance business, Business Interruption insurance protects your cash flow for a set period of time. It ensures that you do not lose out financially while your business gets back on its feet.
MOTOR TRADE INSURANCE

Designed to cover sellers, buyers and repairers of motor vehicles. If your private ambulance company has its own workshop, or offers motor trade services to the general public, this product provides cover for defective workmanship by you to third-party vehicles. This is excluded as standard under Public & Products Liability Insurance.
CYBER LIABILITY INSURANCE

This covers losses if you suffer a cyber attack resulting in a data breach. Cyber risks include damage to, or loss of information from, IT systems and networks. Cover often includes professional assistance following an incident, helping you manage the outcomes, your reputation and regulatory enforcement.
PERSONAL ACCIDENT INSURANCE

Personal Accident cover is available on a group or individual basis. If an employee suffers accidental bodily injury or death, a financial benefit is paid to your business. This help to pay for a replacement employee, or as a payment to your injured employee.
PRIVATE MEDICAL INSURANCE

We are able to offer both group and individual healthcare through One PMI. If you would like to discuss your options, call the One PMI team on 01603 218276.
M&A INSURANCE

Also known as Transition Liability Insurance, this cover reimburses those selling a business for financial loss suffered as a result of inaccuracies in their representations and warranties. It is considered to be a valuable tool to help buyers and sellers facilitate mergers and acquisitions.
MANAGEMENT LIABILITY INSURANCE

This is the name of a group of covers. It includes: Directors & Officers Liability Insurance, Company Legal Liability Insurance, Employment Practices Liability, Fidelity Insurance and access to a 24-hour legal helpline.