England GP practices General Practitioners Committee

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Indemnity implications

All GPs (GP contractors, locum GPs and salaried GPs employed by practices) need to ensure they have adequate and appropriate insurance and indemnity. In most cases this will be provided through an individual membership arrangement with an MDO (medical defence organisation).

Contact your MDO if the nature of your work has changed.

Remember that a personal indemnity arrangement is still required in addition to an organisation's indemnity cover.

If the nature and extent of your work remains the same, following a move to being employed by a new model of care/federation, your individual indemnity arrangements are unlikely to be affected. However, if your employment by a new model of care/federation has changed the nature of your work, e.g. working in unscheduled care, then you should contact your MDO as this could potentially alter your indemnity arrangements.

NHS England advises that in virtual and partially integrated organisations, where the practice remains a separate entity to the organisation, GPs should not generally make any changes to the way in which they purchase their clinical indemnity. It is important, however, that GPs entering into these arrangements speak with their indemnity provider about any changes to their ways of working to ensure that they still have adequate cover.

In a fully integrated organisation, all employees will be covered by the organisation's indemnity, which means that both GPs and practice staff moving to the new organisation (whether an NHS or non-NHS body) as employees will have the cost of their cover paid for, or reimbursed, by the employing organisation. However, it is important to note that personal indemnity arrangements are still required.

When moving between insurance/indemnity provider it is essential that GPs establish if they are required to pay individual 'run off' costs to cover continued protection linked to the period prior to joining the ACO. As with doctors working in secondary care, GPs will continue to need, and may have to pay for, personal indemnity arrangements to cover them for any activity that takes place outside the ACO.

All GPs should ensure they also have professional indemnity arrangements to cover for medico-legal issues arising from clinical practice, such as Ombudsman's investigation, a complaint to the GMC or a professional disciplinary or criminal investigation.