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Indemnity Insurance through the NPA - Beware?

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  • Indemnity Insurance through the NPA - Beware?

    So I've been trying to get a reasonable indemnity provider for the PCN role I'm involved in.

    Looked at the NPA cover for primary care pharmacist. Reasonably priced I thought.

    Then I looked at the cover wordings...
    https://www.npa.co.uk/wp-content/upl...-IPID-0319.pdf

    What is not insured?
    Liability caused by fraudulent, dishonest or deliberate act, error or omission​​​​​​​

    ​​​​​​​

    Isn't errors or omissions the reason why we need indemnity in the first place..?


  • #2
    How does the price compare with the PDA?
    Lively debate is encouraged but please respect the opinions and feelings of others.
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    • #3
      Circa 500 with the PDA, but I can't go for it given the descriptions as I'll need to have 1 year primary care experience before accessing the extension I need.

      NPA is a bit more vague. But it's been quoted as £200ish on the website..

      The same cover wordings as above are used for community pharmacist/locums as well. Surely if that's the way why would you want to go for their indemnity at all?

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      • #4
        Liability caused by fraudulent, dishonest or deliberate act, error or omission

        Does this mean if the act, error or omission is fradulent, dishonest or deliberate?
        47 BC : Julius Cesar : Veni Vidi Vici : I came, I saw I conquered.
        2018 AD : Modern Man : I shopped, I clicked, I collected.
        How times change.

        If you find you have read something that has upset or offended you an anyway please unread it at once.

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        • #5
          Originally posted by Pharmanaut View Post
          Liability caused by fraudulent, dishonest or deliberate act, error or omission

          Does this mean if the act, error or omission is fradulent, dishonest or deliberate?
          Yes. If you deliberately make an error in what you supply, for whatever reason, then the insurance doesn’t cover you. If it is a genuine error then you are covered. That is why you pay for insurance.

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          • #6
            NPA is mainly for Pharmacy owners. I would tend to go with PDA. Cost is tax deductible.
            johnep

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            • #7
              Originally posted by johnep View Post
              NPA is mainly for Pharmacy owners. I would tend to go with PDA. Cost is tax deductible.
              johnep
              +++1 Why subsidise the gaffers' union ?

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              • #8
                +1 PDA I have been on the receiving end of their defence services.

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