As a Nurse, you are an important part of not just your team, but for the standards of Healthcare that Australians enjoy. To help you stay focused on the job at hand, the team at hpi online have created a Professional Indemnity for Nurses policy, just for you.
Why do I need Professional Indemnity for Nurses?
Even though you work within a team environment, you may also have a personal exposure for the health care you provide and/or supervise. Many nurses do not realise that even in full employment situations, they may not be fully covered by their employer’s insurance policy.
If you are an employee, your employer should have a policy for ‘vicarious liability’ which covers them for any claims arising out of your acts or omissions.
Unfortunately, this does not mean that you do not have a personal liability as well. In a claims situation, the claimant may seek compensation from both the employer AND the healthcare professional responsible.
Sure, you may be entitled to indemnity from your employer, but this will depend on the statutory laws in your state and whether there is any indemnity from your employer built into your employment contract. Many nurses do not check or know what their insurance status is under their employment contract. Don’t just assume you are covered; indemnity might not exist as a ‘right’ – nor is an employer required by law to hold an insurance policy for all other protection.
It is also important to remember that the cover on this type of insurance policy can vary greatly depending on the employer’s chosen provider. You may not be given enough protection and may not receive independent representation. Our Professional Indemnity for Nurses product enables you to have that independent representation, plus much more.
Why should I get Professional Indemnity for Nurses cover?
As a nurse, holding your own indemnity policy is the best way to ensure you are fully covered. Having your own policy also means you will be covered if you choose to move to a different employer. Yes you will need to let your insurer know first that you have changed jobs, or if your duties have changed; but it is far easier for you to update your insurer then check and double check your employment contract every time you change jobs.
If you are a nurse and not an employee ie: a sub-contractor or self employed nurse, you need to have your own insurance. A professional indemnity policy is a must-have cover that forms part of a suite of insurances that you should hold as a sole-trader or business operator. Professional Indemnity for Nurses should be the first product you decide upon.
What does Professional Indemnity for Nurses cover?
The policy will cover you (the insured) for civil liability claims made against you for compensation, claimant costs and expenses resulting from your professional services (ie: rural & remote nursing or mental health nursing). The policy also covers the legal costs for your defence at a hearing, coronial investigaiton or enquiry – this cover is limited to $100,000.
This policy will not pay for any penalty or fine imposed on you as a result of the hearing or enquiry.
Who can we provide cover for?
- Registered nurses
- Rural nurses (RAN)
- Primary healthcare nurses (RN or EN)
- Cosmetic nurses (Performing cosmetic injectables & low level laser)
- Practice nurses
- Nurse practitioners
- Mental health nurses
- Enrolled nurses / Endorsed enrolled nurses
Individual policy, superior cover, affordable cost: Professional Indemnity for Nurses
We understand that to ensure peace of mind, health professionals need quality cover at an affordable rate. That is why our Professional Indemnity for Nurses policy includes cover for:
- Public Liability INCLUDED
- Compensation for court attendance
- Continuous cover
- Extended reporting period
- Good samaritan acts
- $100,000 enquiry costs
- Joint venture liability
- Legal consultation
- $250,000 lost documents
- $25,000 public relations expenses
- Run-Off cover
- Spousal liability
- $250,000 statutory liability
In 2015, after 8 years with the same insurer, I chose to compare the market for my professional indemnity insurance and I’m glad I did. hpi online had an AHPRA compliant policy that saves me over $150 per year compared to what I was paying. I would definitely recommend them to my industry peers and colleagues.
The Professional Indemnity insurance policy I obtained through HPI Online not only met my legal and risk requirements, but came with terrific service and a great price. I’ll definitely be renewing my policy with them next year. Thanks guys!
I have used hpi online for my PI insurance for 3 years now. The team is friendly, they know their stuff and the price is fantastic. They make the whole process very simple.
The team at HPI online were very helpful and had the knowledge and understanding of what I provide and how I should be insured. They helped me with correctly insuring my newest scope of practice with ease and efficiency.
A nice easy process to get a competitive price on my indemnity insurance. No fuss and their policy ticked every box for my requirements.