Personal Indemnity Insurance: Why You Need It As A Locum Pharmacist

0345 3503655 info@locuminsurance.co.uk

0345 3503655 info@locuminsurance.co.uk

Quite a number of qualified pharmacists choose to work as a locum for a number of reasons. You can earn good money as a locum and you can also work when you choose, so you might work for three months and then take a month off.

Working as a locum you also get to work in a lot of different pharmacies up and down the country. So, one week you might be working in the centre of a big city such as Leeds, Newcastle, Birmingham, or Oxford, and the next week you could be working in a pharmacy out in the countryside.

If you are working near home, you can go back there in the evenings. If you are working further away you can stay in a hotel, and this will often be paid for by the pharmacy.

0345 3503655 info@locuminsurance.co.uk

Of course, there is a downside to working as a locum pharmacist, and that is that the work is not regular, so you can find yourself without any work for a period of time before another vacancy arises. Nonetheless, it is a lifestyle which many people enjoy.

You will, of course, need pharmacist locum insurance to cover you as it is a requirement under the terms of certification, so you must have personal indemnity cover before taking on any work as a locum. However, there is a question over who provides the cover and whether or not you are covered by the personal indemnity insurance of the pharmacy at which you will be working.

Of course, most pharmacies will have personal indemnity insurance which should cover them for any person that is employed by them. But here is the tricky part: certainly, you are working for the pharmacy in exactly the same way that their employees do. However, you are not an employee, but a self-employed sub-contractor.

0345 3503655 info@locuminsurance.co.uk

The Same As An Electrician So, in a sense, you are in the same position as an electrician that they have called in to sort out an electrical problem. That electrician either works for another company which specialises in electrical issues, or works for himself as a self-employed person, so anything that happens as a result of his work is not covered by the pharmacy but by his employer, or personally if he is self-employed.

What that means is that if there is an issue which requires an insurance claim to be made, the personal indemnity insurer of the pharmacy would look carefully at the situation, because – despite what they say in their advertisements – insurance companies do not like paying out claims, so they would review the situation and would find that as the locum you are not covered under the policy. In turn, that means that if you are liable for the incident, you can be sued personally.

0345 3503655 info@locuminsurance.co.uk This is why you need to take out pharmacist locum insurance so that you are covered for any incident which may occur wherever you happen to be working at the time. The usual level of cover for a professional for personal indemnity is £5 million. While this may seem a lot, a premium for this amount should not be very expensive.

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