We don't have many clinicians coming to grief here Radgirl. We are (mostly) covered for potential mistakes through vicarious liability, whilst at work, but outside of that, we have to rely on indemnity from the RCN and MDU. The rules have changed very recently, so perhaps you are correct. (And perhaps I need to go over the fine print.)
Switch on the radio in the UK now, and you won't be far away from a helpful lawyer who will be only to pleased to guide you through the process of suing your dentist/quack/nurse.
One of the reasons I'm leaving this rat race, love the patients, hate the system
I still say though, at this present time, most clinicians would step in, perhaps more of us need to lose our home/car/speedboat before we learn.