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.

You can update your indemnity details online by logging in to our website [here].

Whats on this page?

What are the requirements for indemnity arrangements?

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

  1. registrants may indemnify themselves other than through insurance
  2. minimum amount of cover is £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.

 

Keeping up to date

All registrants must ensure they update the GCC at the time their indemnity arrangements are due for renewal. This should be done through the MY GCC portal [here].

 

What happens if indemnity arrangements are not kept up to date, or allowed to lapse?

The GCC considers allowing indemnity arrangements to lapse as serious. Our indemnity rules allow the Registrar to either refer such a matter to the Investigating Committee, or to remove a registrant from the register.

 

What would you like to do next?

View the GCC (Indemnity Arrangements) Rules 2015