Professional indemnity cover

Protection for IBMS members

  • Premiums exclusive to IBMS members.
  • Buy cover in five minutes.
  • Policy wording and summary located online.

The Institute of Biomedical Science Professional Indemnity Insurance Scheme has been arranged by Trafalgar Risk Management and Parliament Hill Ltd, taking into consideration the broad range of duties and activities undertaken by Institute of Biomedical Science members. For those members who are in full-time employment within the NHS or the private sector, your employers should provide the necessary Professional indemnity cover (although it is always best to check with your employer to make sure you are covered under their policy). For members who require direct cover for their activities, i.e., where no other cover is provided elsewhere, you are able to arrange cover to fit your personal circumstances.

However, your employers policy won't, in the vast majority of cases, include cover for complaints being made against you to the HCPC or the regulatory body of the NHS, from a patient or another healthcare professional. The TRM scheme includes the costs associated with defending a member in the event of a disciplinary hearing being called by a regulatory body.

Institute of Biomedical Science members are free to choose their own provider for Professional Indemnity Insurance, however this product offers:

  • Professional Indemnity - £1M in the annual aggregate, incl. defence costs.
  • Legal expenses - £100,000 any one claim.
  • Premiums exclusive to IBMS members.

Cover is subject to final acceptance by the underwriters.

Benefits are designed for users who are UK residents and may not be suitable for users who reside outside the UK. 


The IBMS Cover Professional Indemnity Price Promise: If you can find the same cover for less within 14 days, TRM will try their best to match the price and Parliament Hill will give you a cheque for £25!

National Price Promise

Terms and conditions apply: a written quotation must be supplied by way of proof. This quotation must be on a like-for-like basis. To be valid, a price promise claim for a refund must be presented in writing to: Parliament Hill Limited, Britannia House, 21 Station Street, Brighton BN1 4DE or emailed to within 14 days of purchasing your policy. As part of your price promise claim, Parliament Hill will pass on your details to TRM who will follow up with your price promise claim. The Price Promise does not include policies as part of group schemes. The price match sum will be paid in a lump sum, to cover the term of the policy quoted.


How to join?

You can access this offer through the IBMS member benefits scheme, IBMS Additions. You can access IBMS Additions in two easy steps.

  1. Log into MyIBMS
  2. Click on the IBMS Additions


Terms & Conditions

Trafalgar Risk Management Limited is authorised and regulated by The Financial Conduct Authority under Firm Reference Number: 311662.

Registered Office Address: Grove House, 55 Lowlands Road, Harrow, Middlesex, HA1 3AW. Registered in England & Wales, Registration No. 03876370.

Whilst we are pleased to bring this offer to your attention, please note that this does not constitute a recommendation or introduction from the Institute of Biomedical Science.

There is a TRM administration fee of up to £60 included in the professional indemnity price. A Policy Fee is included in the price and shown as a separate amount. For details on that fee and other charges please visit the TRM website.

The insurance product is provided by Trafalgar Risk Management Ltd, and the offer of the benefit is made available through Parliament Hill Ltd of Britannia House, 21 Station Street, Brighton BN1 4DE. Parliament Hill Ltd is authorised and regulated by the Financial Conduct Authority and their firm reference number is 308448. Details can be checked on the Financial Services register by visiting or by phoning the FCA on 0800 111 6768.

Neither Parliament Hill Ltd or Trafalgar Risk Management are members of the same group. There is a connection between Trafalgar Risk Management Limited and Trafalgar Insurance Company Limited.

IBMS additions is provided for Institute of Biomedical Science by Parliament Hill Ltd, Britannia House, 21 Station Street, Brighton BN1 4DE. Parliament Hill and Institute of Biomedical Science are not part of the same group as any of the product/service providers which together form the benefits scheme. Insurance benefits are subject to underwriting and underwriting criteria.

Each member is unique and must make their own decision when deciding whether to purchase professional indemnity insurance from the scheme. Promotion of that scheme should not be taken as a recommendation, advice, or endorsement of the insurance as being suitable for every specific member’s needs.

Insurance is subject to underwriting.