How Claims Protection is calculated
If you need to add Claims Protection to your membership, your subscription is based on estimated annual income from activities for which indemnity is needed. This includes income from private work, fee-paying services in general practice and provision of medical services which are outside the scope of the state indemnity schemes.
Fee paying services
All partners in a GP practice, including nurse partners and practice manager partners, should add Claims Protection to their membership if private or fee-paying services are provided by the practice. This is because a clinical negligence claim could be made against the partnership relating to work your team undertakes. You can determine the level of Claims Protection you need by reviewing your previous year’s practice accounts and estimating your share of annual income from fee paying services (whether you undertook the activities or not).
If, as a healthcare professional, you undertake activities which are out of scope of the state indemnity schemes but you do not personally receive an income from them (i.e. it is income for the practice) you can select the lowest income band for Claims Protection (£0-2,500).
Non-indemnified practice
When determining the level of Claims Protection you need, you should also include income from any work you personally undertake which is outside the scope of state indemnity, including private work and provision of services outside an NHS contract (unless they are classed as an ancillary service within the scope of state indemnity). If you have any doubts about whether an activity is covered by state indemnity or not, please check with NHS Resolution in England and NHS Wales Shared Services Partnership in Wales.