Indemnity Essentials

For work not covered by the Government state-backed indemnity scheme.

Maximise your level of cover 

With the launch of the Clinical Negligence Scheme for General Practice, many of those working in primary care are looking to the government scheme as a cover-all replacement to their existing cover.

Whilst the scheme is designed to provide cover for clinical negligence claims arising from NHS work for both clinical and non-clinical staff, it has its limitations.

For example - and perhaps most importantly - private work, including; medicals and report writing, travel vaccinations and inoculations, medico-legal support, coroner’s court costs, GMC investigations and Good Samaritans acts will not be covered.

Despite predictions from MDOs, it remains uncertain whether the government will provide cover for any works pre-April 2019, so if you’ve taken out any ‘transitional cover’, or claims-made arrangements, it’s worth speaking to an expert about your options for any clinical work you have undertaken prior to April 2019.

Introducing Indemnity Essentials, a comprehensive policy providing protection for work not covered by the government state-backed indemnity scheme.

MIAB's new indemnity solution fits neatly around the state-backed indemnity scheme, plugging the gaps in cover. And uniquely, there's no cap on the income you're entitled to earn from private work.

Unlike MDOs, the cover is insurance-backed, enforceable by law, underwritten by expert insurers and supported by a comprehensive policy wording. Does your defence organisation do that?

The Indemnity Essentials policy is tailored to you, with a choice of either £1m, £2m or £3m limit of indemnity, and flexibility to decide your covers - all with a nil excess.

Cover starts at less than £970 per individual for both elements, and discounts are available for groups of three or more.


For more information, watch 'State-backed Indemnity - Preparing for the 1st of April'

For more information, contact our Specialist Indemnity Insurance Adviser, on 01438 730210, or email