Cover and Premiums

Introduced by Parliament Hill

Cover Provided : PROFESSIONAL INDEMNITY and LEGAL EXPENSES

PROFESSIONAL INDEMNITY   -  

• Insuring clause 1: Professional Liability
• Sections A & D - £1,000,000 in the annual aggregate, including cost and expenses
• Sections B, C, E - No cover given
• Insuring clauses 2, 3, 4, 5, & 6: No cover given
• Insuring clause 7: Reputation and Brand Protection - £100,000 in the aggregate
• Insuring clause 8: Court Attendance Costs - £2,000 per day, £100,000 in the annual aggregate

LEGAL EXPENSES   -  

• Legal Defence and Fitness to Practice Representation £100,000 any one claim

Our premiums are based on how you are employed. Therefore, please select one of the options below.

Please note: The premiums below represent a period of insurance taking you from your current expiry date up to 31 December 2022 to fall in line with your IBMS membership renewal date. If you are buying cover for the first time, the premium will be pro rata up to 31 December 2022. Thereafter, annual cover and premiums will apply.

Please note: If you work as an employed person in some cases, and self-employed in others i.e. a combination of both, you will need to complete the Self-Employed application.

Please click on your membership status to confirm your quote

If you are in full-time employment within the NHS or private practice sector, any claim or complaint arising from professional errors made against you will usually be covered by the NHS or your employer and, under these circumstances you may not need to buy professional indemnity cover for yourself (although you must check with your employer).

However, if a complaint made against you to The Health Care and Professions Council (HCPC), or the regulatory body of the NHS, you would need cover to meet the costs associated with defending and representing you at any disciplinary hearing.

Our professional liability and fitness to practice policies will provide you with this cover.

Please click on your membership status to confirm your quote

If you are in full-time employment within the NHS or private practice sector, any claim or complaint arising from professional errors made against you will usually be covered by the NHS or your employer and, under these circumstances you may not need to buy professional indemnity cover for yourself (although you must check with your employer).

However, if a complaint made against you to The Health Care and Professions Council (HCPC), or the regulatory body of the NHS, you would need cover to meet the costs associated with defending and representing you at any disciplinary hearing.

Our professional liability and fitness to practice policies will provide you with this cover.

Please click on your membership status to confirm your quote

If you are self-employed, it is your responsibility to ensure you have adequate professional indemnity insurance in place to defend yourself against claims of negligence.

We can provide you with a bespoke professional indemnity policy to meet your needs and requirements, along with providing the relevant legal expenses (fitness to practice) cover. To obtain a bespoke quote, please complete and submit our online application and we will send you your quote within 48 hours.

Please click on your membership status to confirm your quote

If you are self-employed, it is your responsibility to ensure you have adequate professional indemnity insurance in place to defend yourself against claims of negligence.

We can provide you with a bespoke professional indemnity policy to meet your needs and requirements, along with providing the relevant legal expenses (fitness to practice) cover. To obtain a bespoke quote, please complete and submit our online application and we will send you your quote within 48 hours.

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