RCN indemnity scheme

Here you'll find information about our indemnity scheme including our most commonly asked questions. 

The RCN indemnity scheme may cover you against the financial consequences of a claim against you for clinical negligence. 

Generally, the RCN scheme could cover the following groups of members:

• the self-employed
• members who don’t work under a contract of employment (such as agency or bank workers)
• volunteers, and
• those acting in a Good Samaritan capacity.

However, it is very important that these groups of members check the terms and conditions as outlined in our comprehensive terms and conditions document.

RCN indemnity: your questions answered

Indemnity can be a complex area to understand, and we’ve listened to your feedback about our scheme. 

Here we explore some common questions and misunderstandings about how the scheme works. It includes information for employees (NHS and non-NHS), practice nurses and prescribers, along with guidance around obtaining confirmation of your RCN membership.

Working as an employee

If you are employed, you do not need the RCN indemnity scheme.  Your employer has vicarious liability (is responsible) for your actions and omissions and should provide appropriate cover for you.

Please read the indemnity terms and conditions document for more information about employment status. Please discuss your indemnity arrangements with your employer and come back to us if there are any problems.

Working on a self-employed basis

If you are genuinely self-employed then the RCN indemnity scheme may apply as long as you meet the terms and conditions.

Please read the indemnity terms and conditions document in full for more information.

Please check your employment status. If you are genuinely self-employed then the RCN indemnity scheme may apply as long as you meet the terms and conditions.

Please read the indemnity terms and conditions document in full for more information.

Students: placements and electives

Please speak to your university and placement provider. In the majority of cases they will provide your indemnity cover for your professional activities whilst on placement. If they do not cover you, our scheme may apply as long as you meet the terms and conditions. 

Please read the indemnity terms and conditions document in full for more information.

Please check your employment status. If you are genuinely self-employed then the RCN indemnity scheme may apply as long as you meet the terms and conditions.

Please read the indemnity terms and conditions document in full for more information.