RCN indemnity scheme

The RCN offers members a fallback indemnity scheme to protect you if the worst happens.

This is a contractual arrangement providing members with cover for clinical negligence claims. It's not intended to replace or supplement the general cover arranged by your employer, but it provides members with the assurance that if your employer’s cover isn’t available you may generally fall back on the RCN.

What you are covered for

You must be a member of the RCN - as a nurse, health practitioner or student member - at the time of the incident for this cover to apply. Please see RCN indemnity (PDF 52.2KB) for full details of the current scheme.

Our scheme is changing

From Tuesday 1 July 2014 our indemnity scheme is changing:

Whilst the majority of our members are not affected, the two changes being made to the RCN’s scheme are as follows:

  • aesthetic practice will be excluded from cover because of the high claims risk associated with this area of practice
  • work undertaken by RCN members as part of their contract of employment will no longer be covered by our scheme.  

Legal support and workplace representation will continue for all members. Last year the RCN supported more than 14,000 members in their workplace, with a further 1,200 through Nursing and Midwifery Council (NMC) proceedings

Tell us as soon as possible

If you are involved in an incident that you think might lead to a patient or colleague making a claim against you, you must report the incident immediately to your RCN office. To be covered by the scheme, you must then complete an indemnity report form. Your local office or RCN steward can supply this.

Get advice

Remember that you should never admit liability for an incident (which is not the same as giving a patient an explanation and apology for an unsatisfactory outcome following a health care or nursing intervention), or submit any written statement about it until you have taken advice from the RCN.

For more information about indemnity please call RCN Direct, available between 8.30am and 8.30pm, on 0345 772 6100 or 020 7647 3456 if you are calling from abroad.