You are required to have a professional indemnity arrangement in place as a condition of your registration with HCPC.
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 will already meet this requirement because they work in an employed environment where their employer indemnifies them. If this is the case, you need not take any action.
If you are self-employed, you will need to make your own professional indemnity arrangement directly through an insurer.
Some professional bodies, trade unions and defence organisations 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.
For further procession-specific advice or support, you should consult your professional body, trade union, defence organisation or insurer.
If you still have a question about professional indemnity arrangements, check out our blog Professional indemnity - your questions answered or give our Registration team a call on the number below.