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Indemnity insurance for nurses

A patient suing for malpractice and negligence is going to hurt your reputation and your bank balance. Protect both with insurance for nurses.

Speak to a friendly expert on 0345 216 0027

Malpractice and professional indemnity
from £277.20 a year for £100,000 cover

Malpractice – for bodily injury, illness or death of clients caused by your negligence
Indemnity – for breach of care, confidentiality, or dishonesty

add Public liability
£45.44 a year
£100,000 for physical damage and injuries caused by your business
All prices include IPT at 12%.
Treat yourself

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 that patient was moved with the right care and supervision?

And if things do 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 is the protection you need. Your policy covers your legal defence costs and, if you’re at fault, the compensation you have to pay injured people. Think of it as the thing that looks after you when you look after others.

What insurance do nurses need?

Malpractice and negligence sound like big, serious-sounding things. And they are. So top of your insurance shopping list should be a policy that includes medical malpractice and professional indemnity insurance to defend you against claims of both those things. Non-NHS nurses have to have professional indemnity insurance as part of NMC registration, too.

Accidents happen, of course, so public liability insurance helps cover legal expenses and compensation you have to pay if you damage something or someone at work.

If you’re keeping client records electronically you’ll need to cover the cost of dealing with data breaches, hacks and cybercrime with cyber insurance.

What types of nursing are covered?

There’s not much this nurses’ insurance policy doesn’t cover. Whatever your field, you’ll likely find protection here. Here’s an idea of what’s covered:

General nurses, mental health nurses, health visitors and district nurses, occupational therapists, dental nurses, veterinary nurses, operating dept practitioners, forensic nurses … and much more.

Why do nurses need indemnity insurance?

Unfair though it seems, healthcare is risky. A combination of high expectations and the rise of ‘blame culture’ means you’re up against it. An allegation of professional negligence against you is more likely a case of when not if.

And if an allegation is made against you – regardless of validity – you have to defend yourself. Doing nothing doesn’t make it go away and it means you could lose by default. The problem is, that 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. Priceless.

How much does nurse insurance cost?

£100,000 medical malpractice + £100,000 professional indemnity insurance together costs from £277.20 a year. Add £100,000 public liability insurance for £45.44

Upgrade to £1m cover all round and you’ll pay from £504.00 a year, with public liability insurance an extra £100.80.

What our customers say...
Excellent service from Lauren. The policy was exactly what I needed. No pressure selling but helpful assistance to clarify a few points. I would recommend this company.
Independent Nurse Prescriber
17 July 2021
Quick and efficient.
Coaching, training and education
26 June 2022
Really straight forward I hope all future business with them goes as smoothly. Appreciate the flexibility and the different coverage elements.
25 June 2022

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