Osteopaths are healthcare specialists that provide complementary and alternative medicine that focuses on the muscular and skeletal systems in the human body.
Why do Osteopaths need professional indemnity insurance?
Typical work activities of an Osteopath include:
- Taking detailed case histories from new patients, including general health, specific symptoms and other details
- Asking the patient to make a series of movements and assessing their general posture as well as checking for restrictions or tensions in joints or muscles
- Undertaking physical examinations of patients by using a touch system (palpation) to identify any weak or strained areas of the body
- Taking a patient's blood pressure and making other physical assessments as necessary
- Planning and providing treatment by working with the hands using soft tissue techniques, gentle release techniques and other appropriate methods of treatment, such as cranial osteopathy
- Working with treatment equipment, including ultrasound machines, balance boards and percussion machines
- Providing lifestyle and dietary recommendations to patients, as required, including advice on posture, eating, exercise and relaxation
- Referring clients to other specialists, if required
- Maintaining accurate and up-to-date patient records
- Interpreting digital imagery generated by scanning techniques such as MRI (magnetic resonance imaging), ultrasound and x-rays
Even professional Osteopaths can make mistakes which can lead them towards legal claims against them. Therefore they are recommended to have Professional Indemnity Insurance and Public Liability Insurance to protect them financially in time of need.
Public Liability Insurance for Osteopaths
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 Osteopaths:
- Negligence in diagnoses
- Providing wrong treatment plan
- Failure in providing timely treatment
- Negligence in giving advice to clients on their physical wellbeing
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.