Professional indemnity

When registering, you will be asked to make a professional declaration to confirm that you have (or will have) one in place and that it provides the appropriate level of cover.

Meeting the requirement

The majority of our registrants meet this requirement because they have their indemnity arrangements provided by their employer.  If this is the case, you don’t need to take any action. Some registrants may want to seek additional advice about their employer’s indemnity arrangements, especially where roles are new and extend beyond the generally accepted scope of their profession’s practice.

If you are self-employed or work in independent practice, you will need to make your own professional indemnity arrangements.

Some professional bodies and trade unions offer professional indemnity cover as part of their membership, or for an additional fee.

Level of cover

The arrangement you have in place will need to provide cover appropriate to your practice, taking into account the nature and extent of its risks. It will need to be sufficient to meet any liability that may be incurred if a successful claim is brought against you. What ‘appropriate cover’ is for you may depend upon a combination of factors, including:

• the practice area or areas you work in;
• the service users you work with; and
• the risks involved with your practice.

If your scope of practice is changing, you will need to contact your insurer to make sure that your new scope of practice will be appropriately covered by your arrangement.

For further profession-specific advice or support, you should consult your professional body, trade union, a legal representative or insurer.

More information

If you still have a question about professional indemnity arrangements, check out our professional indemnity FAQs or contact our Registration team.