This scheme is designed for those pharmacists who have commenced their work in a GP practice for the first time prior to April 1st 2019.
This scheme combines two elements of cover, it provides;
- Wrap around cover; Comprehensive PDA membership benefits whilst wrapping around the CNSGP scheme which only operates in England and Wales, resulting in significantly reduced indemnity premiums.
2. Indemnity ‘Run Off’ ; cover for incidents occurring prior to 1st April 2019 as these are not covered by CNSGP.
Wrap around
Provides a layer of independent indemnity cover for those activities covered by the CNSGP as well as medico-legal protection which is not provided by the State backed indemnity scheme (CNSGP).
Wrapping around the State backed indemnity scheme known as the Clinical Negligence Scheme for General Practice (CNSGP) (suitable for pharmacists in England and Wales only as CNSGP only operates in those countries) it provides up to £250,000 of indemnity in a GP practice for each member for each year. This membership scheme enables the members defence to be activated immediately in the event of any claim. It also provides £500,000 of legal defence costs for each member for each year to support pharmacists in medico-legal proceedings in the event of GP practice based incidents as these are not covered by CNSGP. Additionally, it provides a choice of either £5million or £10 million of professional indemnity as well as £5million of public liability cover for each member for each year for any portfolio work undertaken in any other sectors of pharmacy.
“Run Off”
Relies upon traditional ‘Run Off’ insurance which provides £5million or £10 million of cover to each pharmacist for each year for these historical liabilities.
This scheme provides ‘Run Off’ cover for any historical liabilities which go back to incidents that may have occurred prior to April 1st 2019 but for which claims did not emerge until after that date as these will not be covered by CNSGP.
The combined scheme provides a choice of Clinical and Senior Clinical level of cover as well as an option for with and without IP
*The insurance included with PDA membership is arranged and administered by The Pharmacy Insurance Agency (PIA) Ltd who are authorised and regulated by the Financial Conduct Authority (Register No 307063).