Appropriate clinical negligence cover

Closed 28 Feb 2019

Opened 6 Dec 2018


Healthcare professionals are required to hold appropriate clinical negligence indemnity cover to cover the costs of claims and damages awarded to patients arising out of negligence. Clinical negligence indemnity cover pays for the compensation costs and legal fees that arise as a result of incidents of clinical negligence. The cover can be an insurance policy, an indemnity arrangement, or a combination of both.

NHS hospital staff meet the requirement to hold appropriate cover through a state-backed scheme called the Clinical Negligence Scheme for Trusts (CNST).

General practitioners (GPs) currently purchase their own indemnity. However, prices have been rising and this has a significant impact on GPs.  The Government has announced that it intends to develop a state-backed scheme for GPs and GP staff in England to provide cover for clinical negligence claims arising from GP-delivered NHS services.

However, there remain some healthcare professionals, such as private practitioners and dental professionals, who fall outside of any existing or proposed state-backed scheme. This includes some healthcare professionals in Scotland, Wales and Northern Ireland, for whom professional regulation for healthcare professionals remains a reserved matter for the UK Parliament. These professionals currently make their own insurance or indemnity arrangements.  This consultation is about the indemnity cover for these healthcare professionals.


  • GPs


  • Primary care