Nurses Professional Indemnity Insurance - Revalidation Are You Ready?

Monday, 11 January 2016, Jon Norman

Nurses Professional Indemnity Insurance - Revalidation Are You Ready?

In an effort to continue to improve standards and protection for patients and service users the Nursing and Midwifery Council (NMC) has introduced a “revalidation” programme for nurses and midwifes. 

Revalidation building upon the current three-year renewal cycle and it is the responsibility of each individual nurse or healthcare professional to provide the necessary documentation to confirm that they remain fit to practice.

When Does Revalidation Come Into Force?

Following an extensive consultation, the NMC introduced it’s new “Code” in March 2015 which outlines their professional standards of practice and behaviour for nurses and midwifes.  As part of the Code the first phase of revalidation comes into effect in April 2016 for c16,000 Nurses.

What Are The Revalidation Requirements

To complete the revalidation processes, nurses will need to meet the specific NMC requirements in terms of:

  • 450 Practice Hours (900 if revalidation includes midwifery)
  • 35 Hours of Continuing Professional Development (CPD)
  • 5 Pieces of Practice-Related Feedback
  • 5 Written Reflective Accounts
  • A Reflective Discussion
  • Health and Character Declarations
  • Professional Indemnity Arrangement confirmation

All of the above processes will need to be certified by an appropriate confirmer. 

The NMC has provided a detailed “How To Revalidate” guide via their website which provides some useful checklists and more clarity which will enable you to meet all of the specific points noted above.

Nurses Indemnity Insurance

Revalidation places the onus firmly on each Nurse or Medical Practitioner in terms of confirming that appropriate Nurses Professional Indemnity Insurance is in place. The NMC is crystal clear in their instruction that each individual nurse should be prepared to justify their decisions on the indemnity cover they have arranged and may be requested to do so – with this in mind, buying the correct policy is more important than ever.

NMC Insurance Requirements

Nurses working in the NHS should already have protection under the NHS Insurance arrangements.  However, if you carry out work in the private sector, or you are self-employed you will need to arrange your own specific indemnity cover or obtain confirmation from your employer that they have the correct cover in place.

#1 Nurses in Private Sector Employment

Nurses working under a contract of employment in the private sector should enjoy indemnity protection via their employer.  However, it is important that you clarify this is in place and it is the responsibility of each individual nurse to ascertain that they are suitably protected. Details of cover will also be required to complete the revalidation process.

It is also important to note that the Royal College of Nursing (RCN) specially excludes any indemnity protection for nurses working under a contract of employment within their union membership contingency indemnity.  

#2 Agency Workers

Staff engaged via a nursing agency need to pay particularly attention to their insurance protection. Whilst the RCN advises the onus is on the agency to provide cover, in reality many nursing agencies still require individual nurses to purchase their own cover. 

If the agency does provide cover, you should check this carefully to ensure that cover is adequate for your specific activities.  Should any work be undertaken wide of the agency then separate cover should be arranged accordingly.

#3 Self Employed Nurses

Nurses whom are self-employed or working under a limited company will need to arrange their own insurance protection.

RCN Indemnity cover MAY provide protection if you are self-employed or a sole director of a limited, but cover is dependent on the specific activities undertaken and the nature of the contractual terms of any contract. 

We would advise RCN members to check their specific circumstances with the union and obtain written confirmation as to the extent of cover provided.  The only way to ensure that you have complete protection is to arrange your own Nurses Professional Indemnity Insurance policy which is tailored to your specific needs.

What Could Happen If You Arrange Incorrect Cover?

Whilst there is currently no insurance validation process as part of Revalidation wide of a simple declaration, it is the responsibility of each Nurse to ensure that cover is fit for purpose and provides the correct level of protection for you, and your patients or service users.

At any point the NMC may ask for justification to support your insurance purchase and your thought process in terms of ensuring cover adequate for your requirements.  Should the NMC not deem that cover is appropriate you may find yourself suspended or subject to disciplinary proceedings.

Worse still, should you be subject to a malpractice allegation or claim and subsequently discover that your indemnity insurance is incorrect it may fail to respond.  In these circumstances you would be personally liable for settlement of any injury or compensation claim, which could run into tens, or even several hundred thousands of pounds.

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Insync specialises in cover for all types of medical professionals.  We operate a bespoke scheme for nurses, including nurse practitioners, providing instant quotations and cover. 

Our scheme is fully underwritten by Lloyds of London and is approved to meet the NMC Revalidation process.  Certificates can be issued immediately allowing instant confirmation of cover.

Request a quotation online, or call one of our expert Malpractice Insurance Experts on 0330 1240730 who will help you find the right level of cover at the right price.

About the Author

Jon Norman

Jon Norman

I’m passionate about family, sport, technology and business.

In fact, I have always been fascinated by business, whether it was running the school tuck-shop or my Saturday job in the local store, I was always looking for ways to improve or view things differently.

I have enjoyed an amazing career fast approaching 25 years in the insurance industry, which has given me real insight into the challenges and opportunities faced by SME businesses in today’s ever-evolving marketplace.

I co-founded Insync Insurance, to offer companies a new way to buy and manage their business insurance. A synergy of digital servicing and personal expertise - utilising the latest technology to enhance relationships, not to replace them.

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