AOHNP membership £66 pa (£33 pa for students and £55 pa for
Benefits - Regional and national
support and advice, specialist advisory network, dissemination of information
via the website, newsletter and online networks, professional develop events
and other resources and representation on various bodies.
Insurance premiums are based on risk and previous claim
history and different insurance provider apply them in different ways. They may
set premiums for whole sectors of people i.e. health or for groups within the
sector i.e. occupational health. Some may only provide some services for
employed practitioners and some may also cover employing practitioners, with an
increase in premium due to additional potential liability.
The RCN scheme does not cover you if you are employed under a contract of employment. This is because in
those circumstances the employer is vicariously liable for the actions of the
OH nurse; claims are inevitably directed against the employer in those
circumstances (i.e. the employee has been negligent in the course of her
employment); hence the employer will ordinarily have an appropriate indemnity
arrangement in place for the negligence of employees; and this cover will
generally satisfy the requirements of the NMC, for example. The RCN scheme
continues to provide cover for self-employed nurses, provided that they satisfy
the remaining rules of the scheme. Full details of the RCN scheme rules may be
found on the RCN website.
It is important that you are certain of your employment
status and that you do have appropriate cover. We are fortunate to have a
close working relationship with Unite who offer professional
indemnity insurance http://www.unitetheunion.org/contactus/.
Some members get business
insurance (Medipro) and professional indemnity insurance through Brett and
Randall. Joanne Salt of Brett and
Randall is happy to talk to members and advise on individual
circumstances (email@example.com). http://brettandrandall.co.uk/corporate/medipro/
The MDU offer professional indemnity cover (I personally use
the MDU, with a separate business insurance policy) and clinical advice for
their members, but do not cover what they consider to be employment issues.
There is certainly no ‘one size fits all’ answer to
insurance cover for OH professionals - it not only depends on your employment
status, but what sort of work you are doing as to what cover is best for
Professional Development Director