Recommendation from Cedric Béguelin, Client Manager at Swiss Risk & Care
"Swiss Risk & Care has been able to establish civil liability insurance cover to benefit plastic surgeons whose partner made the decision to divest from the risk to be insured.
Having identified all the needs of plastic surgeons, we have created an ambitious set of specifications and have submitted it to the partners that we felt would be able to respond to it. Most insurers refuse to take on the risk of civil liability insurance coverage for plastic surgeons. However, Swiss Risk & Care has sought to conduct a detailed analysis of the risks and the progression over time of loss rates in this profession. On this basis, Zurich Insurance showed interest in working with Swiss Risk & Care.
After several work sessions, a concrete project was able to be created, and a cooperation agreement was finalised with the insurer. The agreement covers all elements of our requirements specifications, specifically in terms of cover, amounts insured, or guaranteed maintenance of premium level. In addition, our thorough review of the general base conditions enabled us to overcome a major deficiency in cover. We were able to convince Zurich Insurance to expand its area of focus by agreeing to cover surgeons’ defence costs in the case of claims for failure to obtain the expected aesthetic result.
Swiss Risk & Care then shaped the agreement by presenting it to the plastic surgeons involved. Our presence at the annual conference of the Swiss Society of Reconstructive and Aesthetic Plastic Surgery has allowed surgeons to obtain all the information required. On this occasion, plastic surgeons enthusiastically welcomed this insurance solution as it meets their needs in full."