Hospital & Clinic Malpractice Insurance in Kenya

Yes. The Medical Practitioners and Dentists Act requires every health institution to insure each year against the professional liability of its staff. This is separate from each practitioner's own PI.

It depends on the wording. Facility policies cover the institution's liability for its staff, but cover for visiting or independent consultants varies. Declare every category of clinician who works at the facility and confirm in writing which ones are covered.

Typical exclusions include cosmetic surgery (unless reconstructive), fertility and IVF treatment, HIV/hepatitis-related claims, blood-bank activities, genetic manipulation, services beyond the facility's licensed scope, and intoxication. Some of these can be negotiated, so tell us what your facility does.

Kenyan PI policies respond to claims made against you while the policy is in force, not when the mistake happened. So if you stop renewing, a claim that arrives later about past work is not covered, unless you have run-off cover. Keep your cover continuous.

At least any legal minimum for your profession, then enough to meet the largest claim you could realistically face: think of your biggest contract or fee, what a client could lose through your error, and any limit a client or tender requires. Remember that defence costs usually come out of the same limit.