Insurance and Indemnity Arrangements

What are the requirements for indemnity arrangements?

While we recommend you refer to the rules directly (see above), your indemnity arrangements must include the following points:

• Registrants may indemnify themselves other than through insurance
• Minimum amount of cover is £5 million
• Run-off cover (indemnity that covers historic liabilities) must include all periods of your practice
• Cover costs for claims made in relation to negligence, error or omission during your day to day practise as a chiropractor
• Cover costs for claims made by members of the public for any incidents that occur in connection with your business activities, including any products you sell or recommend
• Cover costs for claims made which are a result of somebody providing chiropractic services within your practice including staff, associates and others involved in the management of the practice
• Cover any or all legal costs incurred, including those which may be recoverable by the person making the claim
• Cover for any or all costs you may incur in defending yourself against any claim
• Indemnity arrangements may exceed 12 months in duration.

What happens if indemnity arrangements are not kept up to date, or allowed to lapse?

We consider allowing indemnity arrangements to lapse as a serious matter. Our indemnity rules allow the Registrar to either refer such a matter to the Investigating Committee, or to remove a registrant from the register.