Junior Doctor Indemnity

With effect from 01st July 2024 all Junior Doctors working privately in Ireland will require their own individual indemnity coverage with a limit of indemnity sufficient to meet the minimum level as required under their Medical Council of Ireland registration.

At Challenge we are up to date with your requirements and are pleased to have secured a comprehensive and competitive claims-made based medical malpractice indemnity insurance policy offering. This product is underwritten by our regular Lloyds based insurers, their syndicate rating is A+(Strong) by Standard & Poor's and AA- (Very Strong) by Fitch. 

We are accepting applications from all private Junior Doctors who are registered with the Medical Council in Ireland and working within the Private Hospital network. If you would like to receive a quotation from us please complete and submit our short Junior Doctor indemnity application form below. If you have any indemnity queries please get in touch with us by completing the red contact box to your right.

 Download Application Form here and email a completed copy to insurance@challenge.ie  

Benefits of the current 12 month cover offering 

  •  Medical Malpractice Indemnity and Professional Indemnity Claims Made Policy Wording
  •  Medical Indemnity Limits to meet Medical Council Registration Requirements for Junior Doctors 
  •  Competitive Annual Premiums for Junior Doctor positions within the private hospital sector 
  •  Coverage for practice in Private Hospitals nationwide 
  •  Legal Expenses for Regulatory Hearing, Inquest, Coroner Defence Costs e.g. Medical Council, Disciplinary Hearings etc.... (sub limit of €500,000) 
  •  The current offering includes Run Off Cover automatically following death, permanent disablement or retirement
  •  €0 (Zero) Indemnity Policy Excess
  •  Cover for Good Samaritan Acts - Worldwide

Legal Team

At Challenge we have our own in-house medico legal expertise and we operate our own helpline for our healthcare clients. This service caters for the majority of our pre-litigation queries. For legal matters we have access to a panel of solicitor firms listed below:

Daniel Spring & Co Solicitors - Donal, Fiona and their Healthcare Law team are widely recognised within the healthcare industry. They are also a nominated firm on the State Claims Agency panel and would have extensive experience in dealing with catastrophic injuries claims, fatal injuries claims and representing practitioners at inquests and Tribunals of Inquiry. For further details see www.danielspring.ie

DAC Beachcroft Dublin are a leading international legal business with more than 2,200 people and coverage across the UK, Europe, Asia-Pacific, Latin America and North America. For further details see www.dacbeachcroft.com/en/gb/about/locations/dublin/



Broking Team

The Challenge Broking Team consists of personnel with indemnity underwriting, broking and medico-legal experience.

David Walsh

 Phone: +353 (87) 1317107
Email: dave@challenge.ie

 The team is headed up by Challenge MD, Mr David Walsh. David has spent a number of years investing in broking and CRM technology to establish the company as an efficient insurance provider with the ability to meet the indemnity demands and needs of modern professionals.

 David was also invested time and resources into developing strong relations with medical industry and governmental representatives who have provided assistance to Challenge with establishing the comprehensive offering available to private consultants today.

Any broking queries can be sent directly to David to dave@challenge.ie 


The Challenge Medico-Legal and Claims Management team is headed up by Ann O’Driscoll who is a solicitor and former nurse and midwife.

For the past 20 years, Ann has specialised in defending medical malpractice claims and representing doctors and nurses at inquests and Fitness to Practice enquiries. She advises healthcare organisations on clinical risk, clinical governance and medico-legal matters. She is highly regarded in both legal and healthcare circles.  Ann is also a lecturer and examiner on the UCD Graduate Diploma in Health Care (Risk Management and Quality) course. She is a sought-after speaker at healthcare conferences, seminars and study days. Ann's approach to clinical and healthcare risk management is very much hands-on, with an emphasis on offering practical, safe solutions to her clients' legal and business needs. She achieves this by combining her legal and clinical expertise with a large dose of common sense. She is an accredited mediator.

 Ann and her team participate in and assist with study days and workshops organised by healthcare clients. Ann also advises and assists healthcare organisations with attaining accreditation status. Ann and her team carry out on-site pre-accreditation clinical and health and safety risk surveys. This service is unique to DAC Beachcroft Dublin.

 Before joining Challenge Ann was a partner at DAC Beachcroft Dublin, and a partner in the Healthcare Department of Mason Hayes + Curran. Prior to joining Mason Hayes + Curran, Ann headed up the medico-legal and risk management department at Hayes McGrath Solicitors. Ann also worked for seven years with St. Paul Ireland Insurance as the Senior Medico-legal Advisor to the St. Paul-insured 'State Medical Indemnity Scheme' which insured approximately 4,000 non-consultant hospital doctors. Ann headed up a team of solicitors and risks managers who advised and assisted healthcare professionals and organizations on clinical risk and medico-legal matters. 

Clients enthuse about Ann O'Driscoll, saying she is 'a real fountain of knowledge. She really knows her stuff and is very committed to achieving what the client wants to do.'

Chambers and Partners Europe 2014 Edition, Dispute Resolution, Ireland

Clients note: 'She has a superb reputation and her knowledge of the area is just amazing.' 

Chambers and Partners Europe 2013 Edition, Dispute Resolution, Ireland

Dan Farrell

Business Development Executive 
 Email: dan@challenge.ie

 Dan joined the Challenge Team as Business Development Executive in July 2015. Dan is an experienced insurance professional with over 10 years’ combined underwriting and insurance broking experience. Dan, who is CIP qualified, helps to manage our existing book of clients as well obtaining quotations for new applicants. If you have any quotation queries don’t hesitate to contact dan@challenge.ie


Joe Walsh



 Joe is a qualified insurance professional and has been on the board of Challenge since the company was established in 2006. He has played an integral part in growing relations with partners of Challenge over the previous 10 years. Joe would also oversee all compliance matters at Challenge and would work closely with the Compliance Support Initiative at Brokers Ireland. 

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