A podiatrist is also known as a chiropodist. Podiatrists are doctors who diagnose and treat disorders, diseases, and injuries related to the feet and lower leg. Podiatrists also treat problems associated with diabetes such as foot ulcers, corns, and arches. They prescribe physical therapy, surgery, drugs, and shoes to correct long-term foot problems that also include deformities.
Why do Podiatrists need professional indemnity insurance?
The main responsibilities of podiatrists include:
- Assessing, diagnosing and treating abnormalities and diseases related to the foot and lower limb in people of all ages
- Providing treatment of disorders among high-risk patient groups such as the elderly and those with increased risk of amputation
- Providing advice and making referrals as appropriate
- Using therapeutic and surgical techniques to treat foot and lower leg issues (e.g. carrying out nail and soft tissue surgery using local anaesthetic)
- Prescribing, producing and fitting orthotics and other aids and appliances
Any false advice or errors in performing their duties could lead to a lawsuit and claim by a patient against a Podiatrist. Public Liability Insurance and Professional Indemnity Insurance provides essential financial protection for Podiatrists by providing cover for legal defense costs and damages payable in the event of a claim.
Public Liability Insurance for Podiatrists
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 Podiatrists:
- Negligence in diagnoses
- Prescribing wrong treatment plan
- Failure in providing timely treatment
- Negligence in giving advice to clients for physical wellbeing
- Wrong implementation of treatment plan
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.