Surgical Negligence Cases

Protect your client from the risk of paying their disbursements and adverse costs if a claim fails, or if you don’t beat a Part 36 offer.

After-The-Event Insurance For Surgical Negligence Cases

Surgical negligence is one of the most common case types that Temple insures; this means we have a deep understanding of the risks these cases present. Our law firm customers and their clients are confident that we will cover the cost of expensive medical evidence if there is an unsuccessful outcome to their case, as well as the risk of failing to beat a part 36 offer.

We insure a range of cases, including:

  • General Surgery
  • Elective Surgery
  • Cosmetic Surgery

Common types of surgical negligence we often encounter:

  • The wrong operation being performed
  • Operation not carried out to the standard required
  • Foreign objects left in the body
  • Organs being perforated
  • Cosmetic surgery causing scarring and disfigurement
  • Infection caused by poor hygiene

The advantage of using Temple Legal Protection ATE insurance

The collective expertise and experience of our underwriters has allowed us to develop market-leading insurance cover, backed by a truly first-class service for you and your clients. With full delegated authority provided for the life of the case, along with one of the highest limits of indemnity available, our partner clinical negligence solicitors are able to pursue their clients’ cases with complete peace of mind.

There are no reporting requirements to incur disbursements, make/reject part 36 offers or even to issue court proceedings. Quite simply, Temple’s ATE insurance delegated authority scheme allows you to proceed to get the best results for your clients.

Other advantages include:

  • A user-friendly online system (‘TOPS’) for incepting and updating policies
  • Access to Temple Disbursement Funding for any insured cases
  • A quick turnaround for all referrals, and the important decision you need
  • Deferred payment of premiums until the conclusion of the case
  • A dedicated premium challenge team to assist in the recovery of the premium

Bespoke Underwriting

For complex cases, our experienced team provides quick, commercial decisions to get your funding in place.

Chartered Excellence

As a Corporate Chartered Underwriting Agent, we operate to the highest professional and ethical standards in the UK.

A-Rated Security

Backed by Intact Insurance UK Limited, providing global financial strength for your peace of mind.

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Temple have consistently delivered a high standard of service. Their team is responsive, professional, and approachable, ensuring queries are dealt with promptly and efficiently. The customer service is excellent, with a personalised approach that reflects a genuine understanding of our needs. Their online portal is intuitive and easy to use, making the funding process smooth and straightforward. The disbursement funding facility is particularly helpful—it’s a practical and well-managed solution that supports case progression without unnecessary delays. Overall, Temple offers a reliable, user-friendly, and client-focused service that we would confidently recommend.

Spencer KnaggsBurnetts

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Over the last decade, I have been fortunate to enjoy an excellent working relationship with Temple Legal Protection.

As a small niche practice, it is essential to have collaborative partners who understand the needs of my business and who are responsive to those needs.

From after the event funding through to disbursement funding, the services provided by Temple are exceptional. They have provided to my clients, an essential funding lifeline, at modest cost that other funders simply would not offer.

The Temple Team are responsive, efficient and willing to listen.

I cannot commend Temple and their team highly enough.

Diane RostronSpecialist medical negligence solicitor at Addies Solicitors

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My firm and I have worked with Temple for 20 years now. At the time we began our journey with Temple, we were a new firm and Temple were also fairly new to the market at the time.  Over the 20 years we have built an excellent relationship of trust and support and it is thanks to Temple and their collaborative, trusting,  and open approach to the work that we do and their willingness to take calculated risks with us that we have managed to achieve the very best for our clients in some very tricky and challenging cases.  Temple have always been ahead of the curve.  True leaders in their field and in our view, simply the best.

MBE Mehmooda DukeMoosa–Duke Solicitors

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Because of the complex nature of these cases, there is a need for a range of very experienced experts. Disbursement funding means I can instruct them directly, not going via an agency, and I can pay them promptly without any uplift.

Lorraine TaylorBridge McFarland

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Temple Insurance is an intrinsic part of our litigation model, and in our view, provides maximum protection for our clients at a very reasonable premium. We have been insuring with temple insurance for about 15 years, and before that we tried several other insurance companies.  Temple have been supportive all the way through. They are not overly risk averse, and when a claim fails, they assess our claim fairly and rapidly. I cannot remember a single time when our claim for reimbursement of disbursements has been refused unfairly. Before we used Temple, time and again we faced unreasonable challenges to our insurance claim. I  would recommend any litigation department to rely exclusively on the temple insurance product.

Kevin LiddyLiddy’s Solicitors

Ready to protect your litigation?

Our specialist clinical negligence underwriters are ready to review your case or discuss a delegated authority scheme for your firm today.

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Common FAQs

Some of the key questions about surgical negligence cases.

Our ATE insurance provides extensive cover for initial breach and causation reports. The limit of indemnity starts at £15,000 rising to a maximum of £50,000, depending on the value and complexity of the case. Once liability and causation reports have been obtained, there is an additional £250,000 for all other expenses which is sufficient for the majority of cases. If additional cover is required, this can be topped up.
As soon as you are able to assess the prospects of success. This is normally following a full review of the medical records, however, due to the complex nature of surgical negligence cases, it may be necessary to obtain an expert’s opinion on causation if there are any uncertainties.
Yes, we provide full retrospective authority from the date of the CFA.
We encourage the use of ADR; the cost of this will be covered under the policy along with offering further mediation incentives.