I was told by the RCN in 2006 I was not covered if my company made the
contractual agreement-see below (Item 1) and I feel its too late
when you actually need the cover so to avoid any ambiguity I joined the MDU-its
objective is clear and I am absolutely certain I am covered. I need that level
At the very least I suggest Occupational Health Professionals do
a price/benefit comparison between the Trade Union that is RCN and
See the current MDU advert below (Item 2) it is unambiguous and absolutely
I did maintain my RCN membership for a couple of years but
found membership of limited value to me and my practice and professional
Dear Ms Bruce,
Thanks for your
enquiry. I hope that the following points will assist
- cover under the RCN indemnity
insurance scheme is personal to the member. In other words it protects you
against clinical negligence or public liability claims arising from the
delivery of a professional nursing service acceptable to the RCN.
- It does not extend protection to
a limited company. If you contract with a client in the name of your company,
then of course it is only your company that is liable to the patient/client.
Accordingly, the scheme will have limited application in those circumstances,
unless your company then sues you for an
- although the scheme protects
members who are both employees and self-employed, the latter are excluded
where they 'employ' other health care workers. You mention taking on
associates, but in the event that the associate delivers a service in the name
of your company, the liklihood is that the company remains liable, even if it
subsequently seeks to pass the liability on to the associate. In those
circumstances, the RCN's insurers take the view that the member's
business is 'employing' another health care worker, and therefore excluded
from the scheme.
- I should add that whilst
we are unfortunately unable to cover your company under the scheme,
you remain covered in relation to any personal liability (e.g. good Samaritan
acts etc). Further there are other benefits of RCN membership, over and above
The MDU is a mutual, not for profit, organisation owned by
our members. Established in 1885, we were the world's first medical defence
organisation and have led the way ever since.
We defend the professional reputations of our members when their clinical
performance is called into question.