The person posting about cover cited an exclusion under clause 6.9 of the insurance policy which states.
“We shall not be liable to indemnify you in respect of any Claim, Dispute or Circumstance arising from any liability incurred by any person in their capacity as a director or officer of any company or other entity or as a designated member of a limited liability partnership or any trust that is not associated with the practice of your activities.”
The PDA recognises that many pharmacists have portfolio careers that sometimes span non pharmacy and even entirely non healthcare related activities. Therefore, the above clause is intended to exclude those pharmacists who might be owners or officers/directors of companies whose business has nothing to do with their individual pharmacy practice or services provided to patients. In these cases, they face potential liability from their non pharmacy business activities.
This exclusion clause is designed to exclude such claims as otherwise the wider PDA membership of pharmacists involved in pharmacy activities could end up having to subsidise claims made against pharmacists working on matters not associated with pharmacy practice. In such a scenario the PDA’s focus on the interests of pharmacy practitioners could also end up being diluted and this would not be in the interests of the wider PDA membership.
We can confirm that any pharmacist acting in the capacity of an individual self-employed pharmacist practitioner who may have set themselves up as a limited company to undertake their pharmacy locum work would be fully covered by PDA membership. Many thousands of locums work in this way and have always enjoyed the protection of PDA membership if an error has occurred.
Not yet a PDA member?
If you have not yet joined the PDA, we encourage you to join today and ask your colleagues to do the same.
Membership is FREE to pharmacy students, trainee pharmacists and for the first three months of being newly qualified.
Read about our key member benefits here.