A combination of Public Liability & Professional Indemnity Insurance for Allied Health workers including Physiotherapists, Chiropractors, Counsellors, Optometrists, Personal Trainers, Psychologists and more.
If you are in the Healthcare sector but your services aren’t provided by a doctor, nurse or dentist – then yours is an Allied Health business. Given the inherent risks in patient care, injuries may occur, necessitating cover for legal expenses.
As Allied Health professionals cater to the public, the potential for harm to individuals and property exists within their facilities. Moreover, industry associations frequently mandate the presence of this cover.
Someone claims your inaction or wrongdoing caused a financial loss or personal harm.
A client incurs an injury at your business and files a lawsuit.
You accidentally damage a client or customer’s property.
You need an attorney to defend your business in a lawsuit after a claim.
A client claims that you have been negligent or have behaved inappropriately.
Someone accuses you of providing inaccurate information with your services.
The specific coverage and exclusions of Allied Health Combined Liability insurance can vary depending on the insurance provider and policy terms. Below is a general overview of what is typically included and excluded in this type of insurance.
Professional Indemnity Insurance: This coverage protects against claims of professional negligence, errors, or omissions that may result in financial loss, bodily injury, or property damage to a third party.
Public Liability Insurance: This coverage protects against claims for bodily injury or property damage suffered by third parties as a result of your business operations or activities.
Product Liability Insurance: This coverage protects against claims arising from defective products or equipment used or supplied in the course of providing healthcare services.
Employers’ Liability Insurance: This coverage protects against claims made by employees who suffer bodily injury or illness in the workplace and seek compensation.
Legal Expenses: This coverage includes legal defense costs, such as lawyer fees, court expenses, and settlement or judgment fees related to covered claims.
Crisis Management and Public Relations: Some policies may include coverage for crisis management and public relations expenses in the event of a significant incident that could damage the reputation of the insured party.
Criminal or Intentional Acts: Insurance policies typically exclude coverage for claims arising from criminal acts or intentional misconduct by the insured party.
Fines and Penalties: Claims resulting from fines or penalties imposed by regulatory authorities are usually not covered by the insurance policy.
Known Circumstances: If the insured party was aware of a circumstance that could lead to a claim before the policy’s inception, coverage may be excluded for that specific claim.
Prior Acts: Some policies may have retroactive dates that exclude coverage for claims arising from incidents that occurred before a specified date.
Employment Disputes: Claims related to employment disputes, such as wrongful termination or discrimination, are often excluded from liability insurance policies.
Property Damage: Damage to property owned, rented, or controlled by the insured party may be excluded, as property insurance typically covers such incidents.
Allied Health Combined Liability insurance is typically required by businesses and individuals operating in the allied health sector. This includes a wide range of healthcare professionals and related businesses involved in providing specialised healthcare services. Here are some examples of businesses that often require Allied Health Combined Liability insurance:
Professionals who diagnose and treat neuromuscular disorders through manual adjustments and manipulations.
Practitioners who assist patients in restoring physical function and mobility through various therapeutic techniques.
Professionals who help individuals develop or regain skills necessary for daily living and work activities.
Practitioners who assess and treat speech and communication disorders, as well as swallowing difficulties.
Healthcare providers specializing in the diagnosis, treatment, and prevention of foot and ankle disorders.
Eye care professionals (optometrists) who examine and provide vision correction, diagnose eye diseases, and prescribe eyeglasses or contact lenses.
Professionals offering mental health services, including assessments, counseling, and psychotherapy.
Dietitians: Experts in nutrition who provide advice and guidance on healthy eating, dietary plans, and specific health conditions.
Professionals who provide therapeutic massages to relieve pain, reduce stress, and promote relaxation.
Practitioners who use acupuncture techniques to stimulate specific points on the body to alleviate pain and improve overall health.
Holistic healthcare practitioners who focus on natural therapies and remedies to promote wellness and prevent disease.
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