If a patient sues you for malpractice and negligence, it’ll hurt your reputation and your bank balance. You can protect both with professional indemnity insurance for nurses.
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Malpractice – for bodily injury, illness or death of clients caused by your negligence
Indemnity – for breach of care, confidentiality, or dishonesty
Patient care has the potential to go wrong in all sorts of ways.
Did you remember to record that change in a patient’s condition? Was that dosage right? Can you say your patient was moved with the right care and supervision?
And if things go wrong, ‘where there’s blame, there’s a claim’ can lead to all sorts of problems. Someone saying you’ve made a mistake is a costly and worrying thing.
Nurses' indemnity insurance looks after you when you're looking after others. It covers your legal defence costs and the compensation you have to pay injured people if you're at fault.
Malpractice and negligence sound like big, serious-sounding things. And they are. If you unintentionally hurt a patient or breach their trust, it could damage your business. Medical malpractice and professional indemnity insurance gives you solicitors on hand to defend you if someone claims you’ve not done your job.
Accidents happen. You could leave a trolly out and someone trips, and hurts themselves, or you trip and break an expensive vase at a client's home. Public liability insurance helps cover legal expenses and compensation you have to pay.
Nurses’ indemnity insurance covers a wide range of nurse professionals including:
Unfair though it seems, healthcare is a risky business.
A combination of high expectations and the rise of ‘blame culture’ means you’re up against it. It makes allegations of professional negligence more likely.
And if an allegation is made against you – regardless of validity – you have to defend yourself. Doing nothing doesn't make it go away, which means you could lose by default. The problem is that defending yourself takes time, money and legal know-how.
Nurses’ insurance gives you those three things. Your policy steps in to help, taking over the admin, paying your legal bills and giving you the support only a specialist insurer can.
You can read more about why nurses need insurance here.
How long's a piece of surgical tape? The answer of 'twice as long from the end to the middle' doesn't quite cut it here….
How much cover you need depends on what work you do. Some jobs and contracts might require a certain amount and specific cover. While others might not specify.
So, think worst-case scenario. Then how much it'll cost to put it right. Add to that the expense of legal costs and potential compensation, and you could be looking at a bill for thousands.
A good starting point is how much you can afford, and go from there.
It depends on the area you work in.
If you nurse people, then yes, it's a legal requirement to have nurses' indemnity insurance.
Plus, the Nursing and Midwifery Council (NMC), Royal College of Nurses (RCN), and General Dental Council all require you to have nurses' indemnity insurance for your registration.
If you work with animals, it isn't a legal requirement. Still, the Royal College of Veterinary Surgeons requires you to have indemnity insurance to be registered.
But before you panic buy…
If you work for the NHS, you'll be covered under their indemnity insurance. The same can apply if you're employed in private healthcare - such as in a nursing home or dental surgery. But not always, so you should always check.
You'll need to sort out your own nurses' indemnity insurance if you're self-employed or work as a limited company.
The short answer is: we specialise in business insurance. So we know what you need, even if you don’t.
We also know that getting business insurance can be time-consuming and complicated. So we make sure that it’s simple and quick.
Oh, and we don’t bother with any of that insurance jargon that you’ll get elsewhere.
You can get a quote, buy a policy, and receive your documents without ever needing to pick up the phone. But our team of expert advisers are here, if you need a helping hand.
There’s also some great benefits up for grabs. Like a bit of extra cash whenever you recommend us to someone who then buys a policy. And a neat badge for your website that shows your customers that you’re insured.
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Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.