Community Pharmacy Professional Indemnity. Glyn Walduck, National Pharmacy Association, Head of Claims

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1 Community Pharmacy Professional Indemnity Glyn Walduck, National Pharmacy Association, Head of Claims

2 PROTECT The NPA protects the interests of members through the provision of comprehensive, cost effective professional indemnity insurances, other insurances and legal advice to protect members professionally and commercially from adverse events. Motor Home Professional Indemnity Legal

3 What am I covered for NPA Insurance Ltd have agreed to provide Members of the national Pharmacy Association with the following indemnity and defence benefits subject to the exclusions, conditions and limitations set out below. 1.1 Damages and costs To indemnity against liability to pay compensation and costs (A) (B) (C) (D) (E) For the Death or personal injury of any person For the damage to or destruction of any property belonging to any person For defamation, wrongful or unlawful arrest or imprisonment, or interference with goods For damage to, interference with or infringement of intellectual property rights including patent, trade mark and copyright To indemnity against liability for the death or personal injury caused to any person resulting from the sale or supply (by retail but not by wholesale) of reading glasses or spectacles for Presbyopia; Where the member is liable in his capacity as the proprietor of a retail pharmacy business, or as an owner or the occupier of premisis from which such business is conducted, or where a claim has arisen from the act or default of any person employed or engaged in the member s retail pharmacy business

4 What am I covered for continued To indemnity against liability to pay compensation for negligence by a pharmacist when acting in his capacity as such To legal defence (including indemnity against liability to pay defence costs, including the costs of Solicitors instructed to represent the Defendant) against any prosecution of: a) The Member; b) Any director or other officer of the member (where the member is a body corporate); c) Any person engaged in the Member s business provided that the alleged offence is not committed against the said Member or any other Member and that, in the opinion of the Directors, there is no conflict between the interests of any Member and the accused; Where the alleged offence is committed in the course of the Member s retail pharmacy business.

5 Who is Covered? i. Members ii. Employees iii. Self-employed persons who are engaged by members locum pharmacists

6 Current State of the Market Tracking values and main categories Volume

7 Total PI &PL Claims Total number of claims Wrong drug Wrong Strength Public liability

8 Pecuniary Loss Legal Expenses Pecuniary loss - Legal Expenses Defence Stat committee / Disciplinary committee / Health Committee Employment Tribuneral

9 Value Virtually Doubled in last months NHS costs Claimant Solicitor costs

10 1. Would you dispense this on the say so of the patient Professional Indemnity MST 200mg MR, Take one twice daily, Quantity 60

11 2. Its enough to send your blood pressure through the roof!! Valsartan 80mg Telmistartan 80mg 3. Similar patient names Ibruprofen 600mg 4. Its for my mum! Paracetamon 500mg 5. Ouch! That continues to hurt! Seasonal Flu Vaccination

12 Legal Defence Current cases, common themes and lessons Jones deceased Sheller deceased Dr Martin Aucote deceased Marshall - deceased

13 Public Liability Trips, Slips and Accidents Tips for mitigating risks

14 Ramifications, Risk and Risk Management? NPA Pharmacy Risk Management

15 Protecting your Pharmacy Professional Indemnity Risks No SOPs / Protocols Lack of Knowledge Unqualified staff in dispensary Cluttered Dispensary Training Public Liability Risks Snow / Ice outside pharmacy Spilt liquids on the floor Uneven floor tiling Uneven paving slabs outside Wet floor Loose carpet

16 Professional Indemnity for members Membership of the NPA includes professional indemnity, public liability and legal expenses cover from NPA Insurance. Defending you, your business and your reputation when things don't go to plan has always been at the heart of everything we do. Providing professional indemnity cover for up to 10 million to NPA members, their employees and engaged locums to protect them in the event of making a professional mistake during the course of their work.

17 Legal advice Members are entitled to legal advice on matters connected with their business or affairs and examples of the some of the queries we respond to are: Applications for new pharmacy contracts and minor relocations Advice in relation to the supply of unlicensed medicines Chasing debts and pursuing debtors through the Small Claims Court Assistance with queries with suppliers, wholesalers Sale of goods ASK NPA Insurance about legal advice and assistance we provide to you as an NPA member.

18 General Insurance From the UK s dedicated pharmacy professional indemnity insurance provider we also offer a range of general insurance products. Commercial (Pharmacy outlets, warehouses, shops) Travel Home Motor Van/Commercial Vehicle Personal Private Medical Corporate Private Medical Hospitalisation, accident and sickness cover (covers the cost of a Locum) ASK NPA Insurance about our extensive range of general insurance products and levels of cover available.

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