Hellings Austin Risk Management (HARM) works with medical service providers to put insurance and risk management programmes in place that reflect the clinical, operational and regulatory risks they face.
From a local general practice to a multi-site hospital, pharmacy or diagnostic laboratory group, each provider needs cover shaped around its services, people, premises, technology and duty of care.
Who we work with
We work with medical service providers of different sizes, ownership structures and clinical specialties, including:
- General practices and medical centres
- Dental clinics and specialist practices
- Private and day hospitals
- Community and retail pharmacies
- Pathology and diagnostic testing laboratories
We support providers through growth, acquisitions, new premises and services, changes in ownership or governance, and the ongoing review of established insurance arrangements.
What makes us different
Medical service providers carry interconnected clinical, operational and commercial exposures. Our role is to understand how care is delivered and build an insurance programme that responds across the organisation rather than treating each policy in isolation.
We achieve this by:
- Engaging in deliberate discussions around your services, risk tolerances, exposures, contractual obligations and commercial priorities.
- Considering practitioner, corporate and management exposures together so that responsibilities and potential gaps between policies are clear.
- Monitoring regulatory and insurer requirements and designing programmes that can adapt as your risk exposures change.
No two medical service providers have the same mix of treatments, practitioners, patients, systems and premises.
HARM provides practical advice, insurer advocacy and ongoing support so your cover aligns with the way your organisation operates.