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Indemnity Support & Training

Confused About Your Indemnity Insurance? CBS via INDIGO Indemnity Can Help...

Are you uncertain about the details of your Indemnity Insurance? Do you need clarity on your coverage, how it works, or what it should include? CBS via INDIGO is here to assist members in understanding their Indemnity Insurance thoroughly.

Our experts keep up-to-date with changes in legislation, NHS, and private hospital regulations to provide you with the support you need. We understand that many surgeons are unaware of the complexities of their historical coverage.

We offer a fresh perspective on your insurance situation and clearly explain your position. We work together with an independent insurance brooker INDIGO who specialises in finding surgerical healthcare professionals the right indemnety insurance. Here’s how they can assist you:

Occurrence vs Claims Made Indemnity

  • Understand Your Coverage: Do you know the type of cover you’ve had and when?
  • Reporting Claims: Are you aware of the differences in reporting claims based on your cover type?
  • Retirement Cover: Do you know how your retirement cover works?
  • Regulated Cover: Do you understand which cover is regulated by the FCA and your rights as a consumer?

Different Types of Brokers and Claims Made Cover Models

There are numerous commercial organizations providing cover to UK doctors and dentists. Understanding these differences is crucial.

  • Broker vs Underwriter: Do you know the difference between a broker and an underwriter?
  • Roles and Revenue: Are you aware of their roles and how they earn money?
  • Fine Print: Has the small print of your policy been explained to you?
  • FOS and FSCS: Do you know what the Financial Ombudsman Service (FOS) and Financial Services Compensation Scheme (FSCS) do?

INDIGO will help you understand these critical points, your negotiating position, and your rights. We assess your personal circumstances and provide the information you need to evaluate the market and providers properly.

Take advantage of this free service 


Plastic and Orthopaedic Surgeons Indemnity Insurance

CBS works closely with PRASIS and OTSIS who provide comprehensive indemnity insurance for plastic and orthopaedic surgeons. Find out more about their schemes below:


PRASIS is a mutual, run exclusively by Plastic Surgeons for the benefit of the plastic surgical community. It is owned and governed by its members, all of whom are on the GMC Specialist Register for Plastic Surgery. The scheme provides members with individual insurance cover according to their individual needs. For more details, please visit the PRASIS website.


OTSIS is a mutual (a not-for-profit company) for Orthopaedic Surgeons, owned and governed by its members. OTSIS members are provided with an individual insurance by MIC that covers the costs and damages arising from clinical negligence claims, or GMC or other professional accountability procedures, together with an expert medico-legal advisory service provided by specialist lawyers.  For further details see Benefits of Membership.