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when I was freelance I was categorically told that the RCN would not cover me - hence MDU membership which at that time was cheaper if you joined AOHNP at the same time******************************** Please remove this footer before replying.
Date: Wed, 22 Jun 2011 15:27:40 -0400
From: [log in to unmask]">[log in to unmask]
Subject: Re: [OCC-HEALTH] Indemnity insurance
To: [log in to unmask]">[log in to unmask]
Dear All
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 of confidence.
At the very least I suggest Occupational Health Professionals do a price/benefit comparison between the Trade Union that is RCN and MDU.
See the current MDU advert below (Item 2) it is unambiguous and absolutely clear
I did maintain my RCN membership for a couple of years but found membership of limited value to me and my practice and professional development.
Kind Regards
Lynda Bruce
Aberdeen
Item 1)
Dear Ms Bruce,
Thanks for your enquiry. I hope that the following points will assist you:
Best wishes,
- 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 indemnity.
- 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 indemnity insurance.
Chris Cox
Item 2)
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.
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