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Why Cyber Insurance Is Vital for 2017

Why Cyber Insurance Is Vital for 2017



It may come as a shock to you to understand that the healthcare sector is the primary target sector for Cyber attacks. With sensitive information on patient's medical history and general health, Cyber criminals know that if they obtain this type of data then it will be highly profitable for them. 

Attacks of this nature in the healthcare industry are becoming more regular, and more severe, than any other market sector.

We all hear about Cyber attacks of the largest scale when the make the headline news, however, even small, family run businesses are at risk. These proficient hackers are not selective about who they target as such; if there is an opportunity on any scale, they are likely going to take it.

If you have protection technology and software then it's a starting point, although don't think that this will be enough to protect your practice data and systems. 

It is now essential that you also protect your practice and business, financially, if something on this nature does occur. 

What are the true consequences of a Cyber attack?

If criminals obtain your patient data, there are a couple of things they may do with the data. 

Firstly, they can sell the data on the black market, which means your patients suffer a breach of confidentially, 

Or, secondly, they may request a ransom for keeping the data confidential, which means your business needs to honour their demands at great expense. 

Cyber attacks often result in the following for practice owners:

1. Redundant hardware and software, which needs to be replaced

2. Hefty litigation and legal costs in dealing with the matter in hand

3. Compensation requests from your patients, for the breach

4. Loss of revenue, whilst you get back up and running

5. Often it is combination of all the above

This is the cost element, but also there could be a direct impact on the reputation of your practice. 

After all, bad news spreads fast and it could certainly deter existing patients and new patients from choosing you over one of your competitors. 

Does your Practice Insurance sufficiently cover you? 

So you may be thinking that your Practice Liability Insurance covers you against such crimes. Here, it is essential to read the Terms & Conditions in detail, as most policies only offer an introductory level of cover. 

Specific Cyber Liability Insurance covers your practice, comprehensively, in the event that this nightmare materialises. 


Cyber Insurance policies vary, however many include:

·         Compensation payments to your patients

·         Your patient’s legal fees

·         Statutory fines

·         Hardware replacement costs

·         Data Corruption & Reinstatement Costs

·         Liability Cover for Affected Third Parties – e.g. patients

·         Cyber Financial crime

·         Data – Breach Expenses

·         Loss of Gross Revenue


As we are now part of a very digital working environment, it is your responsibility as a business owner to protect the data you hold in the form of patient records. 

In 2017, it is essential to not turn a blind eye, or be ignorant to what could happen, hoping that it won't happen to you.

For further information please get in touch with All Med Pro - 0203 757 6950 -

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Insure Your Home For Peace of Mind - 4 dentist group

Insure Your Home For Peace of Mind - 4 dentist group

Today, the assurance that home insurance can provide is invaluable, particularly as it can offer peace of mind to homeowners that their house and contents are protected.

There are a number of different types of home insurance available from standard cover to more bespoke, specialist policies. Buildings insurance covers both the structure of the house as well as the replacement or repairs of permanent fixtures such as bathrooms and kitchens as well as the roof. Contents insurance protects your declared belongings, including electronics, jewellery, clothes, furniture and so on from incidences like theft, fire and flooding. Accidental damage cover, which can be used to repair or replace items that have been damaged – such as a smashed TV or wine stain on the carpet – is classed as an extra, so be sure to specify what you require when selecting your policy. More specialist policies can cover holiday homes, listed buildings, high-value homes and belongings and non-standard houses.

Regardless of which policy you choose it is crucial that you are aware of what it covers and the restrictions that are applied within the small print, otherwise you could find yourself unable to make a claim. 

Statistics show that the most common claims made by policyholders in 2015 were weather (25 per cent), escaping water (21 per cent), fire (13 per cent), theft (13 per cent), accidental damage (10 per cent), domestic subsidence (4 per cent) and other domestic claims (14 per cent). [i]

Claims for floods have increased in particular over recent years. At the end of 2015, start of 2016 alone, storms Desmond, Eva and Frank are thought to have resulted in payouts of £1.3 billion, with each claim thought to average at £50,000 – in 2013/14 the average was £31,000.[ii] With research showing that heavy rainstorms are on the rise due to manmade climate change – one in five extreme rain events experienced globally are as a result of the global rise in temperature[iii] – it is possible that we could be seeing a lot more claims for bad weather and flooding in the coming years; something to think about if you are not currently protected against these events.

If you don't have an existing policy or you are looking to change or upgrade, it can be prudent to enlist the services of a specialist agency such as insurance4dentists that can advise you on products that would be best suited to you. By going at it alone you run the risk of selecting cover that might not be sufficient or correct for your needs, which could result in a subsequent claim being rejected. Thus, for peace of mind, contact an expert adviser today.


For more information please call 0845 345 5060 or 0754 DENTIST. Email This email address is being protected from spambots. You need JavaScript enabled to view it. or visit


[i] UK Insurance and Long Term Savings Key Facts 2015. Accessed online August 2016 at

[ii] Association of British Insurers. New figures reveal scale of insurance response after recent floods. Published January 2016. Accessed online August 2016 at

[iii] Fischer EM, Knutti R. Anthropogenic contribution to global occurrence of heavy-precipitation and high-temperature extremes. Published online 27 April 2015. Accessed online August 2016 at


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