Your Indemnity Insurance is here to Assist

Austbrokers Countrywide, our appointed insurance broker can assist you in the event of a claim. In the event of an error, injury or complaint from a relevant regulatory authority such as the Pharmacy Board of Australia, you should:

Immediately begin the Notification procedure with Austbrokers Countrywide by calling 1800 245 123. During this initial notification, you’ll be required to:

  • Provide a brief overview of the facts;
  • State your intended course of action and;
  • Supply additional information to support the notification.

Austbrokers will then guide you through the process and arrange a claim form to be completed if necessary.

You can also reach Austbrokers on email at claims@abcountrywide.com.au or the Claims Advice Hotline on 1800 800 998.

In the event of an error or injury, YOU should:

  • RECORD detailed and accurate notes of the incident* at the time it occurs. Austbrokers will require a detailed report to complete a claim form.
  • ATTACH all supporting documentation to the notification so Austbrokers can assist you appropriately.
  • NEVER make an admission of liability or culpability for loss PRIOR to seeking advice from your Insurer/Solicitors
  • NEVER disclose information about your professional indemnity insurers, solicitors or legal advice you have received
  • NEVER make any deals or enter into any agreement to resolve the error without your insurer’s consent unless you do not wish to have insurance involvement and are aware that you may have prejudiced your insurer’s rights under your policy.
  • INFORM your insurers of any offer by the claimant to resolve the complaint.

*The Pharmacy Board of Australia sets out in its guidelines that all pharmacies should have an incident reporting system or record for at least three years. PPA advise that you complete this record as accurately as possible.

PLEASE NOTE: This advice and comments are provided in the capacity as your insurance broker and should not be construed as legal advice.  Separate legal advice relating to the interpretation and implication of this article for your individual contracts should be obtained.

Scenario 1: We Support Locum Pharmacists

During a busy mid-week shift, Suzi mis-read a customer’s script incorrectly and dispensed carbimazole instead of carbamazepine.

Five weeks later, the pharmacy received a call from the treating doctor and whilst the patient was ok, no improvement had been made in their condition.

Suzi contacted PPA Insurance about the call who then began the Notification Procedure with Austbrokers Countrywide [Your indemnity insurance is here to assist link].

Two months later, she received a Notice of Investigation from the Australia Health Practitioner Regulation Agency (AHPRA) as they had been notified about the incident.

After receiving a Notice of Investigation, pharmacists are required to provide a written response to the AHPRA addressing the issues identified within the Notice and other relevant information within three weeks of the date of the Notice.

Before providing her response, Suzi contacted PPA Insurance who then arranged for ABC Countrywide to appoint a panel of solicitors to assist her with her response.

AustBrokers Countrywide granted indemnity under the Policy and Insurance schedule. which provides a sublimit for claim investigation costs for representation at an enquiry with a Nil excess.

In this case, no further action was deemed necessary by AHPRA and the matter did not proceed further.

The legal costs of $4,500 were incurred by panel solicitors and these were paid under the  Policy and Insurance schedule by AustBrokers Countrywide. Suzi was provided with appropriate guidance without any out of pocket expenses.

In the event of an error, injury or notice from a relevant regulatory authority, you should begin the Notification procedure with Austbrokers Countrywide by calling 1800 245 123.
You can also reach AustBrokers Countrywide on email at claims@abcountrywide.com.au or the Claims Advice Hotline on 1800 800 998.

Scenario 2: We Assist Pharmacists through the Process

David worked at an aged care pharmacy and received a fax from a nurse at the facility to supply 5mg of Endone for an aged care resident. He then supplied the medication as per the patient’s history.

Four months later, David received a Notice of Investigation from Australia Health Practitioner Regulation Agency (AHPRA) highlighting that David had issued a Schedule 8 medication, for a patient without first obtaining a telephone order from the medical practitioner or sighting a valid prescription.

After receiving a Notice of Investigation, pharmacists are required to provide a written response to the AHPRA addressing the issues identified within the Notice and other relevant information within three weeks of the date of the Notice.

Before providing his response, David contacted AustBrokers Countrywide who notified the CGU claims department to appoint panel solicitors to assist with his response.

David provided the AustBrokers Countrywide insurers with notes of the incident, supporting documentation of the incident (e.g. the fax). AustBrokers Countrywide then assisted David with his response to AHPRA.

In this case, APHRA cautioned David to ensure he exercises a greater degree of skill and care to and adheres to legal requirements before dispensing schedule 8 medication.

The legal costs of $8,000 were incurred by panel solicitors and these were paid under the Policy and Insurance schedule by AustBrokers Countrywide. David was provided with appropriate guidance without any out of pocket expenses.

In the event of an error, injury or notice from a relevant regulatory authority, you should begin the Notification procedure with Austbrokers Countrywide by calling 1800 245 123. You can also reach Austbrokers on email at claims@abcountrywide.com.au or the Claims Advice Hotline on 1800 800 998.

PPA Membership Options

PPA Protect

$18per month
$18per month
  • Membership includes professional indemnity insurance backed by Berkley Insurance and fortnightly e-news.
  • Pi Insurance
  • Access to webinars + seminars
  • Support a 30% pay rise claim
POPULAR

PPA Assist

$35.92per month
$35.92per month
  • Membership includes workplace advice and support, plus professional indemnity insurance backed by Berkley Insurance.
  • Pi Insurance
  • Continuing Professional Development
  • Access to legal advice

PPA Complete

$63.33per month
$63.33per month
  • Membership includes legal representation, professional indemnity insurance backed by Berkley Insurance, collective bargaining, and CPD.
  • Full package
  • Pi Insurance
  • Legal representation when needed

The information provided on this website is appropriate only for persons living within Australia. This website, and the materials and information found on this website, only contain general information about PPA, and we encourage you to read all the relevant policies to ensure PPA membership and insurance coverage is right for your circumstances. New membership options available to new members only. If you would like advice on the appropriateness of this insurance policy for your individual circumstances do not hesitate to contact Professionals Australia Insurance Broking (Countrywide Insurance Group Pty Ltd – AFSL 511363) 1800 800 998 or professional_risk@abcountrywide.com.au