Indemnity Insurance for Locums
Most practices have the facility to indemnify named personnel, depending on the reason for the cover. This can cover locums provided that the locum’s details are phoned through to the Insurer for the period of cover. There are two potential shortfalls with the system and the current insurance structure.
Firstly the locum is often replacing a current member of staff for a set period. When the locum becomes the named person then the original staff member is not fully covered. This could be a problem for the practice in the event that a claim of negligence is brought against the staff member on leave while they are away and the main cover has been switched to the locum.
The second shortfall affects the locum should a claim of negligence be brought against him or her after a locum has ended. The locum is no longer in the service of the practice and no longer fully insured.
In both situations the practice is relying on the goodwill of the insurance company and the extent of cover they will provide, and they are expressing more and more concern that they are underwriting the risk of two individuals for the price of a single premium.
We strongly recommend that wherever possible you obtain your own personal professional indemnity insurance. This works out at around 1-2 days locum fees per year.
Whenever you undertake a locum position, it is important that you confirm that you have insurance cover or where necessary it has been arranged for you by the practice.