Professional Indemnity Insurance FAQs

Frequently asked questions about our new PII coverage.

Q: I wish to return to nursing and midwifery by undertaking supervised practice, however the hospital has advised that I must first obtain Professional Indemnity Insurance. Will the policy provide this coverage?
A: Yes.

Q: If my second job is a registered business, will it be insured?
A: Members who also work for themselves “independent or contract nurses” in addition to their usual employment are also automatically insured for professional indemnity insurance provided that the member’s additional income does not exceed their annual gross salary as an employed nurse.

Q: Will I receive immediate legal assistance?
A: The Association should be contacted for assistance and we will provide legal assistance in accordance with standing practice.

Q: Is there a waiting period?
A: No. If you are a financial member of the Association at the time of the incident giving rise to a claim or inquiry, you are automatically covered.

Q: Does the policy cover members who work in both the public and private sector where they have different employers?
A: Yes.

Q: Can I increase the limit on indemnity?
A: No, $10,000,000 per claim and $50,000,000 any one policy year is the maximum limit available.

Q: I am a retired nurse and no longer a financial member of the New South Wales Nurses and Midwives’ Association. Would this policy extend to protect me whilst I was working?
A: The policy will also give coverage to ex-financial members as long as the incident that gave rise to the claim occurred whilst they were financial members of the Association.

Q: Does the policy provide Public Liability Cover?
A: No.

Q: Are midwifery practices covered?
A: Where midwives are employees they are covered in relation to midwifery practice, however there is no cover provided for home birthing activities.

Q: I am a new member of NSWNMA; with this membership, do I get professional indemnity cover?
A: Yes, as a financial member of the Association your membership entitles you to Professional Indemnity Insurance cover for nursing and midwifery practice in the following circumstances:

  • You are an employee;
  • You do not earn more in private practice than you do as an employee;
  • You are/were a financial member of the Association at the time of the incident giving rise to a claim against you;
  • You are/were a financial member of the Association at the time of an incident giving rise to an inquiry; and
  • You notified the Association at the time that a claim is/was made against you.

It is important to note that:

  1. There is no cover provided for any home-birthing activities, whether as an employee or as a private practitioner.
  2. If you are an employee, your employer in New South Wales is responsible for providing insurances.