A naturopath works to treat their patients using more natural techniques and practices. Naturopaths diagnose, treat, and care for patients, using system of practice that bases treatment of physiological functions and abnormal conditions on natural laws governing the human body.
Why do Naturopaths need professional indemnity insurance?
Key duties of a Naturopath include:
- Using natural means to facilitate the body own energy in healing
- Drawing upon a wide range of treatments, including: nutritional therapy; diet and supplementary advice; detoxification by fasting and cleansing; hydrotherapy; structural adjustments; relaxation techniques; medical herbalist; and homeopathic medicine
- Recognizing the uniqueness of each individual genetic, biochemical, structural and emotional make-up and seeking to establish the underlying cause of any health problems
- Taking thorough case histories, which may involve taking blood pressure, x-rays and blood tests
Mistake in providing any of the services mentioned above can lead to a claim against a Naturopath. Public Liability Insurance and Professional Indemnity insurance is recommended for all practicing Naturopaths, as protection in the event a claim is made by a third party.
Public Liability Insurance for Naturopaths
If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.
Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer's home. The claim to replace the item would be covered by public liability insurance.
Key exposures for Naturopaths:
- Providing incorrect natural treatments (treatments that do no associate with surgery) such as proper food diet, hydrotherapy and relaxation treatments (yoga for example)
- Negligence in giving advice to clients for physical wellbeing
- Failure in providing corrective actions to patients claims on their health (giving wrong diagnosis)
Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.