Historically, cover for an individual pharmacist has been provided by the employer. Increasingly however pharmacists are coming to realise, that should there be a claim from a patient, any ensuing action taken by their employer's insurance company may well serve their employer's interests but may leave them individually exposed.
As many incidents involve more than one member of the healthcare team, a pharmacist's legal case must be at least as good as that of other healthcare team members potentially involved. There are many additional and more common sources of conflict, e.g. an argument with an employer over terms and conditions, a conflict with a patient or even a GPhC inspector.
Should there be a need for legal advice or legal representation at an industrial tribunal or regulatory committee or even a compensation payment to a patient, the resultant costs could be well beyond the means of a pharmacist. Without independent insurance protection, the individual interests of an employed pharmacist can often be poorly served.
The Pharmacy Insurance Agency Limited is registered in England and Wales under company number 2591975
It is authorised and regulated by the Financial Conduct Authority (Register No 307063)