Midwives assist in delivering babies and provide antenatal and postnatal advice, care and support to women, their babies, their partners and families.
Why do Midwives need professional indemnity insurance?
A Midwife has a range of responsibilities, including
- Examining and monitoring pregnant women
- Assessing care requirements/writing care plans
- Undertaking antenatal care in hospitals, homes and GP practices
- Carrying out screening tests
- Providing information, emotional support and reassurance to women and their partners
- Taking patient samples, pulses, temperatures and blood pressures
- Caring for and assisting women in labour
- Monitoring and administering medication, injections and intravenous infusions during labour
- Monitoring the foetus during labour
- Advising about and supporting parents in the daily care of their newborn babies
- Helping parents to cope with miscarriage, termination, stillbirth and neonatal death
- Writing records
- Tutoring student midwives
Midwives have to be very careful in performing their as any mistake made by midwifery can cause great loss. Therefore it is recommended that Midwives have Professional Indemnity Insurance to protect them from defence costs and damages as a result of a claim.
Public Liability Insurance for Midwives
If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.
Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer's home. The claim to replace the item would be covered by public liability insurance.
Key exposures for Midwives:
- Providing wrong information
- Negligence in providing advice
- Breaching privacy and confidentiality rules/laws
- Failure to manage records properly
Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.