• Skip to primary navigation
  • Skip to main content
  • Skip to footer

BAPO

  • About Us
    • Who are BAPO?
    • Who are Prosthetists and Orthotists?
    • Strategy and vision
    • Committees
      • Executive Committee (EC)
        • Standing for Election
      • Events Committee
      • Education Committee
      • Editorial Committee
      • Marketing & Communications Committee
      • Professional Affairs Committee
      • Research Committee
      • Technician’s Committee
    • Staff
    • Patron & Supporters
    • BAPOConnect
      • Subscription
      • Submit an article
      • Advertise in BAPOConnect
    • Services
      • Advertise Jobs
      • Advertise products
      • Advertise at Conference
      • Advertise in BAPOConnect
    • Follow our Social Media
  • Membership
    • Members Area
    • Join BAPO
    • Membership Levels & Benefits
    • Insurance
    • Students
  • Events
    • Events Calendar
    • Education Courses/Events
      • Teatime Talks
      • Focus On Education Session
      • Virtual Education – Student Series
      • Short Courses
    • Awards
      • Orthotist of the Year
      • Prosthetist of the Year
      • Algeos Technician of the Year
      • Student placement of the Year
      • The Charlie McLaughlin Research Award
      • Advancing Healthcare Awards
    • P&O Day 2022
    • BAPO Regional Conferences
      • Scotland 2023
    • Past Conferences
      • Conference 2022
      • Previous Presentations
      • Conference 2021 Sponsors
      • Students & Conference
    • External Events
    • Short Course Accreditation
  • Resources
    • Standards of Proficiency
    • Covid-19
    • General Resources
    • Professional Affairs Resources
    • Education Resources
    • Mentoring
    • Leadership
    • Research Resources
    • National Campaigns
    • Promotional & Event Resources
    • Support Resources
    • Orthotic Education Funding Support
    • Locum Register
  • Careers
    • Careers
    • Return to Practice
  • News
  • Members Area

Insurance

Who is covered?

BAPO provides their members with insurance cover as a benefit of membership.

This cover is standard for Full Members, Technician Associate Members and Assistant Associate Members. The cover is extended to Non-practicing Members and Retired Members for work carried out when they were Full Members.  This is known as ‘run-off’ insurance.

The cover is only for work carried out in the UK.

Types of cover

The cover consists of two separate policies: Public and Product Liability, and Medical Malpractice, sometimes incorrectly referred to as Professional Indemnity.

Public and Product Liability

Indemnity against all sums which the insured becomes legally liable to pay in damages for any third-party bodily injury and/or property damage caused through the ordinary course of business or products supplied.

BAPO Members Policy Limit of Indemnity £10M.

Medical Malpractice

Indemnity against all sums in respect of any legal liability incurred by the insured in the course of professional services resulting in a breach of professional duty consequent upon any neglect, error or omission causing injury.

BAPO Members Policy Limit of Indemnity £10M no excess.

Private Practice Supplement

We offer an extension of the policy for members wishing to have protection for their private work. For this additional cover members pay £600 per year; for the same level of policy, you would be looking at an individual premium of £1200-£1500.  Many of our members who under take private work form a Public Limited Company for fiscal purposes to undertake this work.  In this instance, they are still covered under the BAPO member policies, if they chose to pay the extra supplement for Private Cover, so long as they are a sole trader for the PLC and do not employ another clinician.

Insurance companies also advise that professional individuals maintain insurance cover for possible claims made after you stop practicing and the standard practice is to hold this cover for 5 years after you stop seeing patients, this period is longer if your patient is a child.

FAQ

We have put together the following case examples to help with some enquiries about what is considered as private work for BAPO private insurance supplement requirement. The following information applies to all Full Members and Associate Members. For Retired Member’s and Non Practicing Member’s the BAPO Member’s Insurance only covers for treatments carried out when you had Full Member status.

  • If you are employed and paid by the NHS and only see NHS patients then you are covered for any claims made against you by the BAPO members insurance policies and do not need to purchase the insurance supplement.
  • If you are employed and paid by the NHS but also see Private patients who attend your hospital but you do not receive any extra payment for these patients then you are covered for any claims made against you by the BAPO member’s insurance policies and you do not need to purchase the insurance supplement.
  • If you are employed and paid by the NHS but also see Private patients who attend your hospital and you receive extra payment for these patients please check with your employer as they should insure you for this work and this will cover for any claims made against you by these patients and you do not need to purchase the insurance supplement if your employer has a Private Insurance policy in place.
  • If you are employed by a company and paid by the same company who provide a service to the NHS and you see these NHS patients then you are covered for any claims made against you by these patients by the BAPO member’s insurance policies and do not need to purchase the insurance supplement.
  • If you are employed and paid by a company who provide a service to the NHS but also see Private patients who attend the hospital where you provide a service but you do not receive any extra payment for these patients then you are covered for any claims made against you by the BAPO members insurance policies and you do not need to purchase the insurance supplement.
  • If you are employed and paid by a company who provide a service to the NHS but also see Private patients who attend the hospital where you provide a service and you receive extra payment for these patients please check with your employer as they should insure you for this work and this will cover for any claims made against you by these patients and you do not need to purchase the insurance supplement.
  • If you are employed by the NHS or a company but see patients in your own time and these patients pay you direct then you will be required to purchase the private insurance supplement if you wish to be covered under the BAPO member’s policies for these additional private patients.  Your normal caseload seen through your employment is covered by BAPO insurance regardless of purchase of private practice supplement.
  • If you provide locum services to the NHS and are paid direct by the NHS who deduct tax and NI then you are covered for any claims made against you by these patients by the BAPO member’s insurance policies and you do not need to purchase the insurance supplement.
  • If you provide locum services to a company who supply a service to the NHS and you invoice the company for your time and you are paid by the company who deduct tax and NI then you are covered for any claims made against you by these patients by the BAPO member’s insurance policies and you do not need to purchase the insurance supplement.
  • If you provide locum services to a company who supply a service to the NHS and you invoice the company for your time and you are paid by the company who do not deduct tax and NI and you complete your own tax returns, then you are not covered for any claims made against you by these patients by the BAPO member’s insurance policies and you will need to purchase the insurance supplement to be covered for all patients.
  • If you see patients at a private sports clinic and these patients pay you direct then you are not covered for any claims made against you by these patients by the standard BAPO member’s insurance policies and you will need to purchase the private practice insurance supplement to be covered.
  • If you are employed at the sports clinic and paid by the clinic please check with your employer as they should insure you for this work and this will cover for any claims made against you by these patients and you do not need to purchase the insurance supplement.
  • If you visit a patient at their home to provide a service and this patient pays you direct for this service then you are not covered for any claims made against you by these patients by the BAPO member’s insurance policies and you will need to purchase the private practice insurance supplement to be covered.
  • If you provide Medico Legal reports and invoice for these reports then you are not covered for any claims made against you in relation to these reports by the BAPO member’s insurance policies and you will need to purchase the insurance supplement to be covered.
  • If you run your own Private Orthotic/Prosthetics Company and trade as a Ltd company and you are the only clinician employed by this company, you may employ admin or assistant staff, then you will need to purchase the insurance supplement to be covered.
  • If you run your own Private Orthotic/Prosthetics Company and employ more than one clinician, then we suggest you contact an insurance broker/company for advice.

If you are unable to find a scenario from the above that describes your clinical practice please contact the BAPO Secretariat and we will seek advice from our insurance broker/company.

Please note that in all of the above cases you are perfectly entitled to purchase your own private insurance should you require it and do not need to purchase the BAPO supplement.

Also please note for all claims made against you, the claim limitations are 5 years from the date of the treatment but there are cases where this can be extended such as: if the patient can argue that they did not realize at the time of treatment that the treatment was going to cause them a problem until they see another health professional who reveals the issue or; when treating minors which allows 5 years limit after their 18th birthday (or 19thbirthday where learning disability is involved).  You are recommended to have insurance in place to suitably cover these limitations at the time of claim being raised.

As a HCPC registrant, you will be expected to ensure that you have indemnity insurance suitable for the practice that you undertake.  In many cases, NHS indemnity or employers liability insurance is sufficient.

Please Note :- BAPO member insurance policies only cover work carried out in the UK

The main thing that you need to remember that if a claim is made against you will need to be seen to have been working within your competences and not carrying out procedures that you are not trained for. This is a very valid point today and one that all AHPs should be adhering to.

Footer

Search

  • Facebook
  • Twitter
  • LinkedIn

Recent Posts

  • Senior Prosthetist/Orthotist – Townsville, North Queensland, Australia – Job Advert
  • Learning Disability and Autism Multi-Professional Consultant Pathway Expressions of Interest
  • Buchanan Orthotics Ltd – x2 Orthotists – Scotland – Job Adverts
  • Highly Specialist Orthotist – Northern Care Alliance NHS Foundation Trust – Job Advert
  • Orthotist – London Orthotics Salford, Manchester – Job Advert

BAPO

The British Association of Prosthetists and Orthotists (BAPO) was established to encourage high standards of prosthetic and orthotic practice. It is committed to Continued Professional Development and education to enhance standards of prosthetic and orthotic care.

Terms and Conditions

Privacy Policy

Cookie Policy

BAPO Secretariat,

British Association of Prosthetists and Orthotists (BAPO)
Clyde Offices
2nd Floor
48 West George Street
Glasgow
G2 1BP

Tel: 0141 561 7217
Email: enquiries@bapo.com

Opening Hours:
Mon – Thurs: 8.30am – 5.30pm
Fri: 8.30am – 12 midday

Copyright © 2023 · The British Association of Prosthetists and Orthotists

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish.Accept Read More
Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT