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Home   »   Exclusions and Optional Cover for higher risk activities

Exclusions and Optional Cover for higher risk activities

The following is a list of higher risk activities which are not covered under the principal scheme but for which insurance cover may be available on an optional basis - depending on experience and practice.

 

Self-Employed Primary Care Pharmacy Work
£5m Cover available for £65.00

Working self-employed either exclusively or as part of a portfolio career Read More

Self-Employed Primary Care Pharmacy Work

Working self-employed either exclusively or as part of a portfolio career

Large numbers of primary care pharmacists work on a self-employed basis. They will do this either as their sole source of income, or they will do this as part of a portfolio career. Often they will work in both capacities in solely primary care pharmacy. For example, they will work for one Clinical Commissioning Group as an employee three days a week, while they might work for another CCG on a self-employed basis for two days per week.

Self-employed work traditionally carries with it a higher exposure to the risk of litigation since often, in the event that an incident leads to a claim, an ’employer’ will say to a claimant ‘This person was a self-employed contractor, our organisation does not employ this person nor does it take any responsibility for this person and therefore we suggest that you pursue them directly for your compensation’.

This extension provides indemnity cover for self-employed primary care pharmacy work. You can choose £5 or £10 million indemnity cover.

Business Consultancy Services
£5m Cover available for £95.00

Provides insurance cover for any added commercial risks Read More

Business Consultancy Services

Provides insurance cover for any added commercial risks

Many pharmacists, particularly those working in the primary care sector work in portfolio careers. A significant number of them provide consultancy services to third party clients. These might be corporate clients – such as private commercial operators, they might be providing advisory services as members of an advisory board or they may be providers of training to others in primary care.

Often these consultancy services are solely related to clinical or primary care issues, however, they occasionally involve an element of commercial advice and therefore attract an element of commercial risk. For example, they may offer advice in a way which if an error occurs, may not cause harm to a patient, but it could cause the recipient of the service to lose income or incur unnecessary cost. In such a situation, those in receipt of the service may choose to pursue a consultant providing the advice for the refund of their losses and potentially even for the damage to their reputation. Some of the largest claims made against PDA members in the past have been related to ‘commercial risks’. The Business consultancy services extension provides protection to pharmacists who are providing consultancy services that may expose them to commercial risks.

This extension provides indemnity cover for commercial risks exposure as seen in business consultancy. You can choose £5 or £10 million indemnity cover.

Surgery Repeat Prescription Programme
£5m Cover available for £193.00

Signing surgery generated repeat prescriptions where a pharmacist clinical intervention is made

The Independent Prescribing extension is required to be selected along with this choice Read More

Surgery Repeat Prescription Programme

Signing surgery generated repeat prescriptions where a pharmacist clinical intervention is made

The Independent Prescribing extension is required to be selected along with this choice

As individuals who are legally entitled to sign prescriptions in a GP surgery, one element of activity that emerges as an element of significant risk, is that pharmacists Independent Prescribers who are working in GP surgeries may be asked to sign all of the repeat prescriptions that the GPs have approved as part of the managed repeat prescribing service. The thinking behind this may be that, once the clinical reasoning behind issuing the repeat has been undertaken by a GP, then the signing of large batches of prescriptions is a relatively time consuming role, but one that is considered to be merely administrative. The idea is that if someone other than the GP signs these repeats, then this will give the GP more time to engage in other activities.

Whilst it is possible to understand the thinking behind such a process, if this were to happen, then the pharmacists involved in signing the repeats would be directly exposed to the liability that emerges for many of the prescribing mistakes currently being made by GPs. It is vital that pharmacists do not just work administratively and blindly sign repeat prescriptions issued by someone else as this would represent a significant shift in liability from GPs to pharmacists. Indeed, this superficial but risk laden activity is one that the underwriters would be unable to provide indemnity protection for.

As an alternative however, benefits would emerge if the pharmacists involved in the managed repeat prescription programme, rather than simply sign batches of prescriptions studied the detail of each prescription, checked the patients records and engaged their pharmaceutical knowledge. In such a way, should they ultimately make valuable clinical interventions, such as spotting the interactions, correcting dosages and even querying the prescribing rationale, then undoubtedly the entire repeat prescription programme could become much safer than is currently the case.

This activity would be transformed from a risky but largely administrative one where pharmacists became part of the problem and not part of the solution, to a very valuable one to be undertaken by pharmacists applying their unique skills around medicines. This much more detailed intervention by pharmacists would go some considerable way in reducing errors in GP surgeries and ultimately would help deliver wider benefits for patients and the NHS.

Whilst insurance is not provided to sign batches of repeat prescriptions in the administrative fashion as described above, where the liability of GP prescribing errors is simply transferred over to the pharmacist, the ‘Signing prescriptions for the Surgery Repeat prescription programme’ extension provides cover to pharmacists who are involved in the more detailed clinical intervention process as described above.

This Repeat prescription signing extension is conditional upon first taking out the independent prescribing extension (which also provides cover for differentiated diagnosis in the event that a repeat prescribing episode should require a face to face meeting with a patient).

You can choose £5 or £10 million indemnity cover.

Independent Prescribing & Differentiated Diagnosis
£5m Cover available for £227.00

Practicing as an independent non-medical prescriber. This will automatically include cover for any inevitable face to face differentiated diagnosis in a GP Practice. Read More

Independent Prescribing & Differentiated Diagnosis

Practicing as an independent non-medical prescriber. This will automatically include cover for any inevitable face to face differentiated diagnosis in a GP Practice.

Many more pharmacists are now qualifying as independent prescribers and this development in pharmacy practice is widely seen as a successful venture for pharmacists, predominantly because they are experts in medicines.

By passing the Independent Prescribing qualifications, the name of the pharmacist is annotated on the register of Pharmaceutical Chemists and they are therefore approved to work at these higher levels.

Pharmacists cannot become IP’s until they have had at least two years post qualification practice. Once they pass their IP qualification, pharmacists are legally entitled to write and sign prescriptions.

Pharmacists will inherently recognise the additional risks of exposure to litigation by writing and signing prescriptions – this is a different dimension of practice to that seen in pharmacy historically.

Whilst this may not be the case all the time, pharmacists will frequently be signing prescriptions in a situation which involves face to face contact with a patient and which will involve an element of diagnosis, it is this activity which leads to claims against pharmacists. The cover provided by this extension will provide indemnity for pharmacists involved in differentiated diagnosis; this is where a pharmacist assesses a patient whose condition has previously been diagnosed by a GP or other suitably qualified professional e.g. a hospital consultant. Cover for undifferentiated diagnosis, where the pharmacist undertakes a diagnosis of a condition not previously diagnosed elsewhere, is provided by the HIGHER RISKS extension.

Clearly, pharmacists can be pursued for claims in compensation, additionally however, they will also be judged to a different standard by the regulator as they will be deemed to have a higher competence – that in the area of prescribing and the competency that they have demonstrated in any associated activity such a differentiated diagnosis.

There is no doubt that pharmacists who practice as independent prescribers are involved in practice which has a higher risk of exposure to litigation.

This extension provides indemnity cover for independent prescribing and any associated face to face differentiated diagnosis. You can choose £5 or £10 million indemnity cover.

What is the difference between Differentiated Diagnosis and Undifferentiated Diagnosis?

There are broadly two types of diagnosis; Differentiated (previously diagnosed by a doctor) and undifferentiated (where a patient comes in to be diagnosed for the first time).

Show more…

Higher Risk
£5m Cover available for £740.00

Read More

  • Undifferentiated Diagnosis and/or Triage
  • First point of contact telephone triage & Telephone Advice

    (excluding NHS 24/7 and / or NHS 111 call centre related services)
  • Involvement in an out of hours service
  • Working in a walk in centre
  • Working in Accident & Emergency
  • Higher Risk Activities

    This extension provides cover for pharmacists working in the following settings;

    • GP Surgery
    • Clinic
    • Hospice / Care Home
    • Out of Hours service connected to a GP Surgery
    • Accident and Emergency Department

    Whilst undertaking the following general and setting specific activities;

    1. Undifferentiated and Differentiated Diagnosis and / or Triage.
    2. First Point of contact telephone triage (Triage resulting from patients who describe their condition over the telephone).
    3. Involvement in an out of hours service connected to a GP surgery (clinical interventions such as diagnosis outside of normal surgery hours, but not for NHS 24/7 and / or NHS 111 call centre related services).
    4. Working in a walk-in centre (Responding to face to face queries in a (NHS or similar) walk in centre).
    5. Providing Telephone Advice, which will be related to;
      • Medicines and medicines use
      • Minor ailments
    6. Working in Accident and Emergency (Non-medicines related clinical work in an NHS Accident and Emergency department).

    The Philosophy Behind The Approach To Indemnity In These ‘Higher Risk Activities’.

    Pharmacists have been involved in one form of activity or other from the list
    described above for many years. Predominantly, they have been doing this
    historically in a community pharmacy where ‘walk in’ or ‘telephone inquiry’
    customers ask pharmacists to help them out with advice on minor ailments. This
    is a relatively anonymous transaction, often, the patient is not known to the
    pharmacist and even if the patient is known, there are usually no comprehensive
    patient’s records available. Generally, there are no records made of what was
    said in these situations, there are no other healthcare professionals available
    to confer with and patients are told to go to their GP if their condition does
    not resolve itself in a few days. If, after such a relatively anonymous
    transaction in a community pharmacy setting, the patient suffers a significant
    deterioration in their symptoms,( for example in the event that they have
    congestive heart failure after a pharmacist has considered that they merely have
    a cold and a self-limiting cough, with a recommendation to seek the advice of
    the GP if the condition does not clear in a few days) then any potential
    claimant will have much weaker grounds upon which to seek a claim for
    compensation from the community pharmacist. Moreover, the regulator would be
    less likely, in these circumstances to decide that the pharmacist’s fitness to
    practice was impaired. The prospects of defending a pharmacist who may face
    proceedings in this kind of situation would be much stronger.

    The dynamics involving pharmacist face to face diagnosis and/or triage, or
    telephone advice or some other activity described above in a GP surgery, a
    walk-in centre, as an out of hours presentation or in an A&E setting are
    altogether different and far more complex from a pharmacists’ exposure to
    liability point of view. A study of claims against healthcare professionals
    shows that for a variety of reasons, claims are far more likely to emerge
    against individual practitioners in these situations and this is the reason
    why they have been grouped together in this single – ‘High Risk Activities’
    category

    Risk Managing The Exposure To Liability

    Undoubtedly these activities expose pharmacists to a much greater risk of
    litigation and this is why a number of important recommendations are made to
    pharmacists who apply for the ‘Higher Risk Activities’ extension.

    1. Pharmacists must ensure and must be able to demonstrate that they are
      competent to undertake the diagnostic and/or triage tasks that they perform.
      In the event of a claim, evidence will be requested for sight of relevant
      training and / or experience.
    2. Pharmacists must have established either a senior clinical practitioner with the
      required competence and/or a professional peer group to act as a reference point
      to assist in the event that they need support in any of their diagnostic
      activities.
    3. Protocols must be in place and must be observed to include;

      • A significant event monitoring process
      • A service review process which reviews pharmacist performance in the area of diagnosis.

    You can choose £5 or £10 million indemnity cover.

Planning and design of clinical trials

Involvement in the higher level design and specification of clinical trials
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Planning and design of clinical trials

Pharmacists have been involved in clinical trials for many years. Typically, this is undertaken in either secondary or primary care and it involves pharmacists in either dispensing the medicines being trialled or in their administration to patients who have agreed to participate in the clinical trial.

Usually, in these trials, one of the groups of chemicals being given to
patients is a placebo.

In these cases, the trial has been designed, planned and approved elsewhere
by those who specialise in clinical trial design. The pharmacists involved in
either the dispensing of, or the administration of the trials materials to
patients are merely following the clinical trial protocols that have been
established by someone else.

Involvement of pharmacists in either dispensing for, or administering
clinical trials medicines to patients (subject to satisfactory protocols being
in place) is fully covered for indemnity purposes by the principal indemnity
cover provided by dint of PDA membership.

However, some pharmacists are now being asked to get involved in the initial
design and planning stages of a clinical trial and this does involve them in a
very significant increase in their exposure to liability. Many hundreds of
clinical trials are successfully and routinely undertaken in the health service
every year. However, highly publicised examples exist where clinical trials have
gone badly wrong and numerous patients have been seriously harmed. In such
instances it is the designers of the clinical trials process who would be likely
pursued by claimants seeking compensation and it is for this reason that
indemnity cover for involvement in the design and planning of clinical trials is
excluded from the main PDA member’s scheme.

It is however, available upon direct application as a standalone insurance
scheme provided by independent underwriters.

Conversely, the underwriters providing solely the planning and design of
clinical trials cover will not provide the much wider indemnity cover and other
benefits as provided by PDA membership.

To enjoy the wide range of indemnity and other benefits provided by dint of
PDA membership pharmacists should complete their standard PDA membership
application and then make contact with the specialist underwriters as a separate
exercise.

Pharmacists are invited to call 0121 694 6897 or contact piacommercial.com
for more details of the specialist independent underwriters.

The Pharmacists' Defence Association is a company limited by guarantee. Registered in England; Company No 4746656.

The Pharmacists' Defence Association is an appointed representative in respect of insurance mediation activities only of
The Pharmacy Insurance Agency Limited which is registered in England and Wales under company number 2591975
and is authorised and regulated by the Financial Conduct Authority (Register No 307063)

The PDA Union is recognised by the Certification Officer as an independent trade union.

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