Professional indemnity insurance is a type of liability insurance that protects you from the costs of legal claims made by a client who has suffered a loss due to your professional negligence, error, or omission. For pharmacists, this insurance is a legal requirement to ensure that if a patient is harmed due to a mistake, they can receive compensation.
It covers costs associated with:
Legal fees
Compensation payments
Other expenses involved in defending a claim
As a locum pharmacist, you're responsible for having your own professional indemnity insurance policy, as you may not be covered under the policies of the pharmacies you work for.
How to get a policy
You can obtain an indemnity insurance policy from a professional body or an insurance provider that specialises in the field. To prove you have a policy, you'll need a clear photo or scan of your insurance certificate showing the insurer's name, your policy number, and the date.
Common providers include:
Pharmacists' Defence Association (PDA)
National Pharmacy Association (NPA)
Pharmacy Insurance Agency