Legal Expenses Cover From MIAB
New from MIAB a legal protection plan specially designed for GP practices. It protects a practice from costly litigation when defending or asserting its rights in both civil and criminal law. It also protects the partners, staff and their families from a wide range of potentially expensive legal threats.
Just ask yourself the following questions:-
What happens if the Practice faces a claim in an Employment Tribunal or is investigated by the Tax authorities? (The latter is increasingly likely according to the media).
What would it cost to defend the Practice against the NHS, if they were to terminate their contract? (Trusts are resorting more and more, to strong arm tactics).
How can the cost of potentially damaging disputes between Partners be mitigated?
How would you or your staff pay to defend yourselves from a criminal allegation? (Legal Aid will soon be subject to means testing even in respect of criminal cases).
The answer to all the above is to take out a MIAB Practice & Personal Legal Protection Plan.
Summary of Cover:
A. PRACTICE PROTECTION
Employment
Legal representation in employment disputes and in Employment Tribunals: the insurance also covers the cost of any compensation or award, should the Tribunal find against the practice.
Tax, VAT, PAYE and NIC Investigation
Pays for professional fees in respect of enquiries and disputes (This cover alone can cost hundreds of pounds per year)
Health Service Contract Dispute - Unique to MIAB
Professional Fees incurred by You in pursuing an action following an alleged specific breach of the terms contained within a written contract for the provision of healthcare or medical services under the following (as may be amended from time to time):
1. National Health Service (Personal Medical Services Agreements) Regulations 2004
2. The National Health Service (General Medical Services Contracts) Regulations 2004
3. The National Health Service (Alternative Provider Medical Services) Directions 2009
4. Where You have elected not to operate under Health Service Body status,
and which has resulted in termination of the relevant contract.
Property Protection
Pays for civil actions against third parties for nuisance, trespass and criminal damage and against your business premises landlord under terms of a lease
Contract Dispute
Covers disputes with customers or suppliers in respect of a contract for the sale, hire, supply, or the purchase of goods and services
Bodily Injury
Covers death or injury to partners, managers and staff caused by negligence
Data Protection
Defence of a civil action for compensation under section 13 of the 1998 Act, including payment of any award
B. PERSONAL PROTECTION – PARTNERS, STAFF AND THEIR FAMILIES
PARTNERS ONLY
Partnership Disputes – Unique to MIAB
Professional fees incurred by You in defending or pursuing an action against a fellow partner or partners following an alleged specific breach of the terms contained within a written partnership agreement that has previously been agreed and signed by all of the partners and which is seriously affecting and puts the overall partnership and as a consequence the Business at risk.
PARTNERS AND STAFF
Legal Defence (excluding disputes relating to the standard of care)
Representation in both civil and criminal cases for the practice partners staff and their families
(Funding a defence in respect of unwarranted criminal allegations is not something most people could easily afford).
Personal Injury
Pursuing a claim for damages in respect of the injury or death of an Insured Person caused by negligence
Consumer Disputes
Pursuing or defending claims arising out of a contract entered into by or on behalf of an Insured Person for:-
1. Obtaining services
2. The purchase, hire, hire-purchase or sale of any personal goods
Home Rights
The pursuit of civil claims:-
1. A contract dispute relating to goods or services used in your home
2. Loss or damage to the home or goods therein
3. An alleged infringement of rights appertaining to the home
Education
Appealing against the decision of a Local Education Authority (LEA) arising out of the LEA’s failure to comply with its published admission policy, resulting in the refusal to accept the Insured Person’s child or children at the state school of their preference.
Probate
The pursuit of claims by the Insured Person in respect of a probate dispute involving the will of the Insured Persons parents, grandparents, children, step-children or adopted children
Identity Theft
Legal expenses incurred:
1. to defend a claim from a financial institution, or merchant
2. for the removal of any criminal or civil judgements wrongly entered against the Insured Person
3. challenging the accuracy in a Credit Reference Agency report; and
4. to create documents needed to prove the Insured Person’s innocence
5. Postal and phone costs/loan reapplication fees/lost earnings resulting from time away from work in dealing with the issue
THE FAMILY OF PARTNERS AND STAFF
Employment
A dispute with an employer (other than the Policyholder) for compensation or reinstatement or re-engagement on the grounds of unfair dismissal or unfair selection for redundancy
NB The MIAB Practice & Personal Legal Protection Plan is subject to terms conditions and exclusions. For further information please complete our online enquiry form or contact MIAB on 01438 730210
