Insurance and indemnity

All chiropractors practising in the UK must have indemnity arrangements in place to cover them for any claims made against them, before beginning to practise. Then if a patient claims that a chiropractor has been negligent, there are arrangements in place which will help with the chiropractors legal costs and any funds awarded to the patient.

Changes to the GCC legislation around professional indemnity came into force on 17 July 2015 and can be found here.

Important: if you are applying to the Register for the first time, restoring your name or transferring to practising registration, we will not complete the process until such time as your insurance comes into force.

Whats on this page?


When did the rules come into force

The new rules came into effect from 17 July 2015, which means your current indemnity arrangements must comply with the new rules now. The government brought in new legislation in 2014, The Health Care and Associated Professions (Indemnity Arrangements) Order 2014, which required chiropractors and all regulated health care professionals to have indemnity arrangements in place before practising in the UK.

Why has the law changed?

The new legislation means all of the UK healthcare regulators are covered under the same legislation.

How will this effect my indemnity arrangements?

While we recommend you refer to the new rules directly, your indemnity arrangements must include the following points.

  1. registrants may indemnify themselves other than through insurance
  2. minimum amount of cover to £5million
  3. run-off cover must include all periods of your practice
  4. cover of costs for claims made in relation to negligence, error or omission during your day to day practise as a chiropractor
  5. cover of costs for claims made by members of the public for any incidents that occur in connection with your business activities, including any products you sell or recommend
  6. cover of cost for claims made which are a result of somebody providing chiropractic services within your practice including staff, associates and others involved in the management of the practice
  7. cover for any or all legal costs incurred and which may be recoverable by the person making the claim
  8. cover for any or all costs you may incur in defending yourself against any claim
  9. indemnity arrangements may now exceed 12 months in duration.

 

 

What does mean for chiropractors practising in the UK?

The table below gives information on the changes  and how they vary from the old GCC rules.

The changes

Previous GCC professional indemnity rules

1.

All practising chiropractors registered with the GCC must ensure they have appropriate indemnity arrangements in place. This may take the form of:

1.     an indemnity insurance policy

2.     an arrangement made for the purposes of indemnifying a person

3.     a combination of the above

Each registrant practising as a chiropractor in the UK must have in place a policy of professional indemnity insurance.

2.

You must provide evidence of your indemnity arrangements:

1.     at the request of the Registrar; or

2.     on such dates or at such intervals as the Registrar may determine

The Registrar has the power to request that a registered chiropractor provides evidence of his/ her indemnity insurance at any time.

3.

You must inform the Registrar if their indemnity arrangements cease to be in force.

There is no rule in the current legislation that gives this power

4.

You must notify the Registrar should he/she change indemnity arrangements.

There is no rule in the current legislation that gives this power

5.

Should a registrant breach the requirements for having a suitable indemnity arrangement in place, the GCC Registrar may either:

1.     remove the Registrant from the Register

2.     treat the breach as a matter of unacceptable professional conduct

The Registrar may refer a breach of the rules to the Investigating Committee if he considers the breach is sufficiently substantial

6

Increase in the aggregate amount of cover to £5milion

Aggregate amount of cover is £3million

 

What would you like to do next?

View the GCC (Indemnity Arrangements) Rules 2015