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Medical Malpractice and Public Liability Insurance for Paramedics

Date: 21/01/2019

1. About You
This is a proposal form for medical malpractice liability coverage written on a claims made basis.

When completing this form please refer to the definitions contained in the glossary.

If the name of the Proposer is a Private Limited Company, Partnership or other organisation please state:
If not how many others are engaged and in what capacity?
2. Occupation
Paramedic (Qualification Level 6 – Batchelor of Science Degree (BSc))
Healthcare professional, registered with the Health & Care Professions Council (HCPC) under “Paramedic” by completing an approved programme of study.


Specialist Paramedic (Qualification Level 7 – Post Graduate Certificate or Post Graduate Diploma)
Experienced autonomous healthcare professional, registered with the Health & Care Professions Council under ‘Paramedic’, who have undertaken further study and skill acquisition at PGCert/PGDip level, or SQCF level 11 in Scotland, to enable them to be able to deliver a more enhanced level of assessment and care to patients and access more referral pathways. This may include, but is not limited to ‘Emergency Care Practitioner’, ‘Paramedic Practitioner’, and ‘Senior Paramedic’.


Advanced Paramedic (Qualification Level 7 – Master of Science Degree (MSc))
Highly experienced autonomous healthcare professional, registered with Health & Care Professions Council under ‘Paramedic’, who through the development of expertise, portfolio of evidence, and post-grad education at Master level are able to deliver a more appropriate level of assessment and care to patients and access many more referral pathways.


Consultant Paramedic (Education Level 8 – Doctor of Philosophy Degree (PhD))
The consultant Paramedic will usually hold or be working towards a doctorate award and will practice within the Department of Health guidance for Allied Health Professional Consultant appointments. Core responsibilities include an organisational of Health guidance for Allied Health Professional Consultant appointments. Core responsibilities include an organisational development role in areas of new and innovative clinical practice for paramedics delivering patient care.
Working at Strategic – Executive level they will be developing new care pathways, whilst liaising with central health policy makers. Connected to the Trusts medical directorate and research and audit teams (through primary research) they will instigating and reviewing care pathways.


Non HCPC Registered Clinician
Works alongside registered healthcare professionals in a supportive capacity. This may include, but is not limited to ‘Community First Responders’, ‘Emergency Medical Technician’, ‘Emergency Ambulance Crew’ and ‘Ambulance Care Assistant’.
3. Business Activities
This insurance is designed to cover the scope of Paramedic or Healthcare Practice which you are appropriately qualified to perform.
Will you be involved in any of the following?
If you have answered Yes to undertaking independent prescribing, please confirm:
4. Limits of Indemnity
Public Liability £5 million provided as standard. If higher limit required please state (Sub-limits may apply in some circumstances, please refer to the quotation for details. The above limited also apply to the total for all claims under the policy in any period of insurance)
Please select the limit of indemnity required.
£

5. Policy Start Date
6. Disclosure of Material Facts

7. Declaration
Your Duty of Disclosure
See attached leaflet on the changes introduced by the “Insurance Act 2015”. It is your duty to ensure sufficient information about your business is provided to insurers that enables them to understand the risks to be insured, or to make further enquiries. You may need to consult with others within your business who may also have relevant knowledge that should be declared to insurers. This duty continues throughout the lifetime of the policy when any change in circumstances should be notified

Please acknowledge acceptance of the following:
Important Information

Personal Data
The insurer for policies underwriting this scheme is Allied World Assurance Company (Europe) dac. The scheme is administered on their behalf by Graybrook Insurance Brokers Limited.

To arrange and administer your policy Allied World Assurance Company (Europe) dac and Graybrook Insurance Brokers Limited will hold and use information supplied by you, in accordance with U.K. Data Protection Laws and General Data Protection Regulation (GDPR). Full information and your rights about the personal data we collect and process can be found in our Privacy Notice which is available on request and online at www.graybrook.co.uk. A copy of the Privacy Notice will also be included in your quotation/renewal pack.

Unless you select one of these options we will not be able to send information on any of our other insurance policies or services.
We will not sell or pass your information to other organisations for marketing purposes.

CUE - Insurers pass information to the Claims and Underwriting Exchange register, run by Insurance Database Services Limited (IDS Ltd). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we may search the register. When you tell us about an incident which may or may not give rise to a claim, we will pass information relating to it to the register. You can ask for more information about this.

IPT - Insurance Premium Tax
The Finance Act 1994 requires us to levy Insurance Premium Tax at the prevailing rate on insurance premiums. For further information, please ask us.

LAW APPLICABLE
The parties to the policy have the right to choose the law applicable to the Policy. Unless the parties agree otherwise English Law shall apply

This insurance is administered by Graybrook Insurance Brokers Limited, 8 Chandlers Way, South Woodham Ferrers, Essex, CM3 5TB. Graybrook Insurance Brokers Limited is Authorised and regulated by the Financial Conduct Authority. Registered No. 595238. Web: www.graybrook.co.uk - Email: enquiry@graybrook.co.uk - Tel: 01245321185 - Fax: 01245 322240
Important Note

Retroactive Cover & Claims Made Basis

This policy quoteed will be underwritten on a 'Claims Made' basis and will only respond to claims first notified to you and reported to underwriters during the period of Insurance arising from treatments or advice given after the Policy Retroactive Date.

The retroactive date on your medical malpractice policy is usually the start date of your practice/business or the inception date of your first uninterrupted medical malpractice insurance policy. Please ensure you provide the correct retroactive date to avoid any previous work undertaken prior to the start or renewal of this policy being uninsured.