Medical Malpractice and Public Liability Insurance
Since 1st of April 2015, all paramedics are required to confirm with the 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 United Kingdom 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.
The College of Paramedics Full Membership provides the following medical malpractice and public liability insurance as standard:
- £5 million limit per member;
- Evidence of Insurance Certificates available from the College of Paramedics on request;
- Samaritan Acts included;
- Full members covered for voluntary work or any paid work where total earnings do not exceed £5,000 per annum (excluding any NHS Work - contact Graybrook for wider cover);
- Worldwide cover (excluding the USA and Canada);
- Students covered for observation only electives in the USA and Canada;
- No cover provided for members full-time employment (contact Graybrook for wider cover);
- Excludes treatments of professional sportspersons and elite athletes when treatments are undertaken do not exceed 21 days in any 12 month period;
- Meningitis claims excluded unless the patient has been physically examined and members follow current NICE guidelines.
Please see Related Downloads for more information, and review the Graybrook website, for full details of the policy terms and conditions.
Professional Advisors are also available via - 01245 321185.
Student Medical Malpractice and Public Liability Insurance
As from the 1st June 2016, the College of Paramedics now provides student members with Medical Malpractice and Public Liability insurance as a benefit of membership to a limit of £5 million. This provides cover to students whilst undertaking elective placements as part of their paramedic training education. The cover is on a worldwide basis (excluding U.S.A. and Canada except for observational only electives), provided they are under the supervision of a qualified paramedic or a registered healthcare professional (or equivalent). The cover also includes claims arising from Good Samaritan Acts. The insurance only applies when students are not entitled to insurance or indemnity arrangements provided elsewhere.
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, simply visit the Graybrook website or call one of their Professional Advisors on 01245 321185.
Other Optional Insurances
Members also have access to specialist insurance products from Graybrook, including:
- Medical Malpractice cover for members requiring their own additional individual cover.
- Criminal Prosecution insurance. As 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.
For advice, further information, and to make an application, simply visit the Graybrook website.