Professional Indemnity Insurance for Sonographers and Radiographers is available from a range of secure insurers, including access to the bespoke cover for members of the Society of Radiographers.
We are independent Insurance Brokers with no tied relationship with the Society of Radiographers and provide products from a range of secure insurers, we provide advice on where to source the best value coverage to meet your needs. From the 1st October certain members of the SoR will need to arrange a bespoke Insurance Policy, we are able to access Insurance quotations that meet the membership requirements of the SoR.
We provide quotations for individuals and corporate entities.
Access bespoke Insurance written just for SoR members
Butler Evans are an experienced Medical Broker who provide full support if you need to make a claim
Here are the facts you need to know about Professional Indemnity Insurance for Sonographers & Radiographers.
What is Professional Indemnity for Medical Practitioners and why you need cover?
Medical staff use expertise and give advice on a daily basis, sometimes that advice can go wrong or the patient may feel that the advice caused a problem, even if there was no fault. This can give rise to a claim or assertion of financial liability against the medical practitioner for their perceived negligence. Professional Indemnity covers the defence of allegations and , if you are found liable, any award of damages up to the limit of insurance.
If I am an employee or self-employed status working for another company, do I still need cover?
The Law regarding employment is complex and even though your employer is generally vicariously liable for your actions, you might find that your employer seeks to avoid liability, especially if you do not comply with the full terms of your employment. If your employer genuinely intends to accept any vicarious liability then you will normally find a full indemnity clause within your contract of employment holding you as employee harmless for any activities you undertake as part of your role. If you are self-employed working under a tax efficient scheme, you will be unlikely to have any hold harmless agreement in place.
What is Retro cover, why do I need it?
The Professional Indemnity Insurance for Sonographers & Radiographers is a claims made policy, meaning you are insured for claims or allegations made against you and notified to insurers during the policy period. Cover IS NOT linked to the date of the activity that caused the potential damage. However, to avoid Insurers providing cover for activities that have been deliberately uninsured, a retroactive cover date is applied to your policy which excludes any activities undertaken prior to this date. Because Society Members can demonstrate they have been insured under the prior scheme, Insurers will consider retroactive cover back to the date of commencement of the applicant’s SoR membership.
What is an Extended Reporting Period Cover?
When you cease practice, risk of claims does not cease as there can be allegations relating to your past activities that come about in the future. Since Professional Indemnity Insurance for Sonographers & Radiographers is a claims made policy, all cover ceases when it is not renewed. Therefore, to avoid cover lapsing when you cease practice, policies have an option to purchase and extended reporting period in which claims can be notified after the policy expiry.
WHAT DOES PROFESSIONAL INDEMNITY INSURANCE FOR SONOGRAPHERS & RADIOGRAPHERS COVER:
Cover is in respect of any financial demand, or assertion of a financial right or entitlement against the
Insured arising out of the conduct of the Insured’s Business. Insuring clauses can vary by Insurer, but will typically include:
- Professional Negligence/ Breach of Professional Duty
Libel and Slander
- Breach of Confidentiality (including Data Protection breach)
- Sexual Harassment / Abuse
Loss of Documents
Rescuers and Good Samaritans
Additionally, policies will cover Defence Costs and Expenses in respect of the insuring clauses mentioned above and:
- Circumstances notified under any Claims Notification Conditions
- Regulatory, disciplinary or criminal proceeding costs
- Costs of attending a coroner’s inquest or inquiry
What Limits of Cover are available?
Insurers typically offer three standard limits of cover, £1,000,000 or £2,000,000 or £5,000,000 including defence costs. Higher limits are available on request.