Insurance and Indemnity Arrangements
Find out about your required insurance and indemnity arrangements
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.
Practising includes hands on treatment of patients as well as offering chiropractic services, e.g., through advertising.
This means that, in the event a patient claims that a chiropractor has been negligent, there are arrangements in place to help with your legal costs and any funds awarded to the patient.
You can view our indemnity rules here
You can update your indemnity details via the online portal. All registrants must ensure they update us at the time their indemnity arrangements are due for renewal.
Important: if you are applying to the register for the first time, restoring your name or transferring to practising registration, we cannot complete the process until your insurance comes into force.
What are the requirements for indemnity arrangements?
While we recommend you refer to the rules directly (see above), your indemnity arrangements must include the following points:
- Registrants may indemnify themselves other than through insurance
- Minimum amount of cover is £5 million
- Run-off cover (indemnity that covers historic liabilities) must include all periods of your practice
- Cover costs for claims made in relation to negligence, error or omission during your day to day practise as a chiropractor
- Specifically mention that you are covered for providing chiropractic treatment, whether or not additional treatments, techniques are listed separately
- Cover 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
- Cover costs 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
- Cover any or all legal costs incurred, including those which may be recoverable by the person making the claim
- Cover for any or all costs you may incur in defending yourself against any claim
- Indemnity arrangements may exceed 12 months in duration.
What if I am registered to practice, but not practising?
We know that professionals are sometimes registered with us but may not be practising for short periods of time. For example, you might be on a career break or looking for employment. If you are registered with us, but not practising, we will not expect you to have a professional indemnity arrangement in place. However, we will expect you to have the arrangement in place when you begin to practise again and also for past periods of practise.
What happens if indemnity arrangements are not kept up to date, or allowed to lapse?
We consider allowing indemnity arrangements to lapse as a serious matter. Our indemnity rules allow the Registrar to either refer such a matter to the Investigating Committee, or to remove a registrant from the register.
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