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However, now that EU law is making professional indemnity insurance compulsory for healthcare professionals, independent midwives will have to get indemnity cover to continue practising.
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Break out your actuary tables, let's get indemnity-ed up!
"The people who create and market these schemes won't be able to get professional indemnity insurance, and you can't practice without insurance," he said.
Well they demand you get your own indemnity insurance which is something that it would make more sense to bake into the per desk price.
In theory in most, if not all, jurisdictions it should be possible for duty holders to get public liability insurance, professional indemnity insurance or a contractual indemnity in respect of compensation claims and the cost of defending criminal prosecutions.
I joked to my friend that perhaps the humane society would let me test dogs at her park one day to see which ones attracted the most men or perhaps I could just get them to include an indemnity clause in my pet adoption papers the way 50 year old men probably negotiated for Ferraris.
Instead of investing in a $500,000 policy, you could get a $250,000 policy with a double indemnity clause for accidental death.
The government has also announced a £500m housebuilding scheme in England as well as the mortgage indemnity scheme to help 100,000 people get onto the property ladder.
In a very rare move, they ordered the costs of the latter hearing to be paid on an "indemnity" basis, which means General Augusto Pinochet will get back all the money spent on his lawyers rather than the usual two-thirds.
Expand that last notion backwards and forwards from closing and you get what is often called "my watch, your watch" indemnities.
The indemnity will allow those who purchased policies to get back on their feet and farm yet another day.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com