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Full Member Insurance

Essential Protection for College Members 

The College of Paramedics provide Full Members with block Medical Malpractice and Public Liability Insurance in addition to fitness to practise cover as standard.

Medical Malpractice and Public Liability Insurance

Since 1st of April 2015 all paramedics need to confirm with the Health and Care Professions Council (HCPC) that:

  • You have a professional indemnity arrangement in place which provides appropriate cover; or
  • if you are not practising at that time, you understand the requirement and will have an arrangement in place when you begin to practice.

Most paramedics in the UK will have some sort of medical professional liability and public liability insurance through their employer.  If registrants are working within their scope of employment, their employer should have appropriate indemnity arrangements in place to cover both themselves and their employees.  This is true of both employment through the National Health Service (NHS) and the private sector.  While all NHS employers, such as Ambulance Service Trusts are ‘vicariously liable’ for the actions of their employees and any claims arising from their wrong-doing while working within their scope of employment and while at their place of work, it is strongly advised that you check with your employer that such indemnity is current for the work undertaken.  This is especially true within the private sector where the level of governance is not as robust as within the NHS.

There are situations where extra cover may be required.  For example:

  • When working outside the scope of your employment
  • When acting as a ‘Good Samaritan’
  • Whilst undertaking voluntary work
  • Whilst working outside the work of Paramedic practice.

The College of Paramedics provide Full members with block Medical Malpractice  and Public Liability Insurance as a membership benefit*:

  • Good Samaritan acts and voluntary work.
  • All private work included within the individual's scope of practice, subject to annual earnings not exceeding £5,000 per annum.
  • Teaching within the members’ individual scope of practice (including Paramedic Science and First Aid).
  • Optional policies for member's requiring more individual cover or their own limits of indemnity.
  • Medical malpractice with public liability insurance underwritten by Hiscox.
  • Limit of £5,000,000 per claim with an overall limit of £5,000,000 for all claims in any period of insurance for each member.

*The cover does not apply to members full time employment, or any paid work where income exceeds £5,000 per annum.

Please see Related Downloads for more information on the cover provided by the College of Paramedics and for full details of the policy terms and conditions.

If you require further information from Graybrook, the Scheme Insurance Brokers, please visit  www.graybrook.co.uk/cop-members or call one of their Professional Advisors on 01245 321185.

Fitness to Practise Representation

All full College of Paramedics members benefit from fitness to practise and malpractice insurance. If a complaint to the HCPC, or a Court claim, should be made against you, your insurance will cover the cost of our expert Professional Discipline lawyers defending you robustly, whilst also providing pragmatic, sensitive advice to guide you through each stage of the process.

In the event that a particular HCPC complaint or Court claim is not covered by your insurance, we can defend you on a direct instruction basis, offering a 25% discount on our standard hourly rates for College of Paramedics members in this situation. 

Please see Related Downloads for more information on the cover provided by the College of Paramedics and for full details of the policy terms and conditions.

If you require further information from Graybrook, the Scheme Insurance Brokers, please visit www.graybrook.co.uk/cop-fitness or call one of their Professional Advisors on 01245 321185.

FITNESS TO PRACTISE CLAIMS - If you are the subject of a Fitness to Practise investigation, or if you believe that you might be, then please call 0345 350 1099, or email Claims@abbeylegal.com, or write immediately to the Claims Department, Abbey Legal Protection, 20 Fenchurch Street, London EC3M 3AZ.  Members should provide the policy number and brief details of the circumstances.  A claim form will be sent for completion and this must be returned without delay.

Members also have access to the Medico Legal Line – 0333 999 9554

 

Other Optional Insurances

Members also have access to specialist insurance products from Graybrook, including:

  • Medical Malpractice cover for members requiring their own individual cover. Applications and details are available from www.graybrook.co.uk/paramedicinsurance
  • Criminal Prosecution insurance. As a hands-on profession members are exposed to allegations of inappropriate touching and sexual behaviour which can result in criminal charges. This insurance provides legal advice and defence cover up to £100,000 from just £25 a year plus insurance tax. Applications and details available online only from www.graybrook.co.uk/defencecosts