Nurses may soon require insurance for clinical negligence claims
Nurses and midwives may be forced to obtain indemnity insurance cover in the same way as doctors. At present nurses are only vicariously liable through their NHS employers.
A draft consultation paper proposes that nurses and midwives should have compulsory insurance to cover medical negligence claims.
Unions are worried that if these proposals were to go ahead there would be a definite shift in liability in a clinical negligence claim from the NHS to the individual health care professional. The onus of obtaining indemnity insurance would be placed on the individual nurse or midwife and not the hospital. Nurses and midwives would need this compulsory insurance before they could be registered to practice. At present, nurses rely on insurance cover from organisations such as RCN and Unison. This cover alone would be inadequate under the new proposals.
There is concern that the cost of this individual insurance may be prohibitive for nurses and midwives. The plan may also open the floodgates to many claims against individual nurses for medical negligence. Also, nurses may be wary to participate in advanced procedures in the fear of insurance repercussions in the event of a claim against them. At present no decision has been made on this issue and the publication of the document has been postponed.
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John Pickering and Partners LLP
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