Doctors Professional Indemnity

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Most times, when there are workplace injuries, the party at fault tries to offer a settlement to the injured person. However, before providing the settlement, they will ask the injured to release all indemnity claims forms. It would help if you refrained from signing that form before you know what it is or your lawyer advises.

What is a Full Release of All Indemnity Claims Form?

If you agree to accept the settlement amount after your injury due to any workplace accidents, you must sign a full release of all claims form. It is done before the injured person receives the amount. This form is also known as a liability waiver form and allows the resolve disputes outside of the court.

As per Workers’ compensation laws, the employer is legally responsible for compensating the employees in case there is an accidental injury, disability or even death at work. The Act also defines the amount and nature of compensation based on the nature and severity of injuries. 

It is a legal form that contains the terms that the injured person must adhere to before receiving its workplace injury claims settlement amount. It also means the case will be closed and cannot be pursued further. Additionally, once the form is signed after indemnity, the injured agrees not to sue any party involved in the workplace accidents.

The at-fault party pays the amount independently or uses their indemnity insurance to clear the outstanding. The amount generally covers medical bills and the personal suffering of the injured person. In most cases, it also compensates for monetary losses due to absence from work because of this injury.

How to Deal With Insurance Companies for Indemnity Claims?

It is essential to understand that most people these days take professional indemnity insurance to protect themselves from any potential losses. With this insurance, they pay the other party any financial losses because of their misdoings.

Therefore, before agreeing to the settlement amount, ensure you understand what you are signing for. People will need this money to cover medical expenses because of workplace injuries. However, they should always take legal advice before signing this form or agreement.

Insurance companies will always try to give as little as possible from the other party’s indemnity insurance. And once the injured party signs the full release of all claims, they will have no option but to accept their terms.

What All is a Part of Full Release of All Claims?

The full release or waiver form differs between the company and the insurance provider. However, below are some things that are a part of the same:

  • Settlement Amount

It will have the amount that the person will receive from insurance company along with the method of receiving it.

  • Release of Claims

Statements stating that all the claims on the at-fault party and the insurance company related to workplace injury claims are resolved. They will also say that no obligation is left to be taken care of.

  • No Right to Sue

It will also state that the injured person is giving up their right to sue the other party or the insurance company regarding the said accident.

  • Indemnity

It is a clause that restricts the insurance company and the at-fault party from paying any workplace injury claims if there are any liens against the injured person. 

  • Non-Admission of Fault

This clause indicates that paying the settlement amount is not an admission of fault from anyone’s end.


Going through workplace injuries or any other accidents can be daunting. It can impact the injured person and have many long-term consequences. Therefore, before agreeing to any amount or signing the full release of claims, it is essential to understand everything about it.

About The Author

Saloni Mishra 

MBA Insurance Management

With an illustrious career in the insurance sector, Saloni is a distinguished writer specializing in articles concerning doctor professional indemnity policies for SecureNow. Leveraging 12 years of hands-on experience, she understands the intricate nuances of professional indemnity insurance tailored specifically for medical professionals. Her articles offer invaluable insights into the significance of doctor professional indemnity coverage, addressing the unique risks and challenges healthcare practitioners face. Renowned for their expertise and attention to detail, Saloni is committed to providing readers with informative and actionable content that empowers them to make informed decisions regarding their insurance needs.