Professional Indemnity - General Information

What is professional indemnity?


Professional indemnity is a mandatory requirement and will protect the practitioner against claims arising in respect of medical malpractice, negligence and other civil claims that arise from a breach of duty associated with your practice as a doctor.

What are the professional indemnity requirements in Ireland?


All doctors practising medicine in Ireland must have indemnity cover appropriate to the nature of their employment/practice arrangement and their area of practice.

What if I am, or will be, employed by a HSE hospital?


All doctors who work wholly and under a contract of employment with the HSE are covered by the Clinical Indemnity Scheme (CIS) and do not need to put in place any professional indemnity arrangements.

What if I will be employed as a consultant in a private hospital?


If you are commencing work as a consultant with a private hospital you will need to put in place professional indemnity arrangements for practice. You will need to ensure you have cover to the minimum levels set out at the following link (Appendix 2 and Appendix 3).

The Medical Council will require evidence that the correct level of indemnity is in place.

Our understanding is employing hospitals will also be seeking this information, as a matter of course before you commence practising in their facility.

What if I will be employed as a consultant in both private and public hospitals?


If you will be working as a consultant in both a public and private hospital settings you will need to put in place professional indemnity arrangements for practice. You will need to ensure you have cover to the minimum levels set out at the following link (Appendix 2 and Appendix 3).

The Medical Council will require evidence that the correct level of indemnity is in place.

What if I will be employed as a SHO/ registrar (NCHD) in a private hospital?


Doctors taking up posts at SHO/ registrar level (or below?) in a private hospital will be covered by the hospitals own indemnity policy. Our understanding is you will be made aware of indemnity arrangements prior to commencing employment.

If I need to put in place my own indemnity arrangements, what level of cover do I need to have?


You will need to make arrangements with one of the indemnity providers (refer to the links below of current indemnity providers in Ireland) to have in place the appropriate level of cover, as set out in the schedule at the following link (Appendix 2 and Appendix 3).

The Medical Council will require evidence that the correct level of indemnity is in place.

What if I will be working completely outside the hospital system?


You will need to make arrangements with one of the indemnity providers (refer to the links below of current indemnity providers in Ireland) to have in place the appropriate level of cover, as set out in the schedule at the following link (Appendix 3).

The Medical Council will require evidence that the correct level of indemnity is in place.

What if I will be undertaking locum work in a variety of non-hospital situations?


You will need to make arrangements with one of the indemnity providers (refer to the links below of current indemnity providers in Ireland) to have in place the appropriate level of cover, as set out in the schedule at the following link (Appendix 3). The clinical place(s) where you will work will need to ensure you have the appropriate level of cover in place, before commencing work.

The Medical Council will require evidence that the correct level of indemnity is in place.

What if I will be undertaking locum work in a hospital situation?


You will need to clarify with any hospital where you will be undertaking locum work, what indemnity arrangements are in place, given the type of employment. If the hospital indicates you will not be covered by their policy/arrangement, you need to put in place appropriate indemnity cover as set out in the schedule at the following link (Appendix 3)

The Medical Council will require evidence that the correct level of indemnity is in place.

The clinical place(s) where you will work will need to ensure you have the appropriate level of cover in place, before commencing work.

The following companies offer professional indemnity to doctors: