Effective 1st December 2018, as a registered health practitioner, a 'paramedic' is responsible to meet the National Board’s registration standards which include having appropriate Professional Indemnity Insurance. This is a requirement under the National Law and it is an important part of how the National Scheme protects the public (section 129 of the National Law).
The Professional Indemnity Insurance arrangements must provide adequate and appropriate cover that meets the requirement of the National Board’s Professional Indemnity Insurance arrangements registration standard, which cover for all aspects of practice.
The registration standard will specify a minimum level of cover which depends on a combination factors including,
- the practice area the practitioner work in,
- the service users the practitioner work with, and
- the risk involved with the practice.
You can download the Paramedicine Board of Australia Registration Requirements and Frequently Asked Questions here:
Professional indemnity insurance
arrangements registration standard FAQ: Professional indemnity insurance
arrangements registration standard
Meeting the requirement to hold Professional Indemnity Insurance arrangements
The following table outlines the insurance requirements for paramedics.
|If you are employed
- Your employer is likely to have arrangements that will provide appropriate cover for your practice and the risks involved in your work.
- according to the legal doctrine of vicarious liability, their employer is liable for any negligent conduct that occurs during their duties.
|If you are self-employed
- you will need to make sure that you have made your own PII arrangements
|If you carry out a combination of employed and self-employed roles
- you will need to make sure that you have PII arrangements in place for your self-employed work, as this will not be covered by any PII arrangements put in place by your employer
|If you are practising as a volunteer/unpaid position
- you are still required to have appropriate PII arangements in place
Some voluntary organisations will have PII arrangements which cover their volunteers’ activities
If you hold your own PII arrangements, you should check to see if these cover any practice you do as voluntary work
|If you hold non-practising registration or if you are registered but are not practising
you are not required to have PII arrangements in place/for that period
as required by your National Board’s PII arrangements registration standard, when you decide to cease practice you must take out appropriate run-off cover to make sure you have cover for all matters arising from your previous practice
Professional Indemnity Insurance for Paramedical services
At Optimum Insurance, we make choosing an insurance policy easy, by providing an expert, tailored service to equip you with the right policies for your business and minimise your risk. For more information about Professional Indemnity Insurance and to obtain a quote, contact us online or call one of our friendly staff on 1300 739 861.
Disclaimer – “This material contains general information only and may not suit your particular circumstances. To decide if a policy is right for you please carefully read the relevant Product Disclosure Statement (PDS) and/or Policy wording. While we have exercised due care and skill in preparing this information, Optimum Insurance Services (Optimum) does not accept any legal responsibility or liability for negligence or otherwise to you or anyone else who seeks to rely on this information. This includes, without limitation, loss arising from a possible failure of the information to comply with statutory or regulatory requirements or the failure of the information to identify other terms and conditions beyond those considered in this document. You should obtain advice to ensure that your policy provides adequate cover for your circumstances.
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