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Insurance for speech pathologists

As a health professional, you need to know that your insurance policy is always in fit form. Which is why we’ve made sure our policies are informed by health professionals to suit the unique needs of your profession.

You can keep thriving knowing you’re protected by an insurance company with your best interests as a health professional at heart.

Business insurance

Business
insurance

Protects your business property, people and interruptions.

 

What you should know about insurance

Professional indemnity insurance covers you for your civil liability when a claim arises from a breach of your professional duty. Many professional policies at Guild Insurance combine professional indemnity, public liability, and product liability to cover more of your professional duties. Business insurance, on the other hand, is a broader category that encompasses various types of coverage designed to protect businesses from a wide range of risks. This can include property damage, theft, and liability claims from third parties.

For professionals providing advice or services:

  • Assess your service risk: Evaluate the potential risks associated with your professional advice or services. Consider the possibility and implications of your advice or actions leading to a client's physical, psychological, or financial detriment. Reflect on the likelihood and consequences of a situation where an error or omission on your part could lead to legal action.
  • Understand legal requirements: Familiarise yourself with the legal and regulatory landscape relevant to your profession. Is holding professional indemnity insurance a legal requirement or an industry standard in your field? For certain contract positions and many allied health professionals regulated under Ahpra, professional indemnity and/or public liability insurance is required.
  • Consider your financial exposure: If faced with a legal claim, could you afford the legal defence and potential damages out of pocket?

For business owners protecting their operations:

  • Identify your business assets: Determine which physical assets are crucial to your business operations, such as property, equipment, and inventory. Consider the consequences if these assets were damaged, stolen or lost.
  • Evaluate liability risks: How likely is it that someone could be injured or their property damaged because of your business activities? This includes both public liability and product liability.
  • Consider business interruptions: Think about the resilience of your business in the face of unforeseen events that might force temporary closure. How would such interruptions impact your financial stability?

If you are unsure of the cover you require, please contact us on 1800 810 213 to speak to an insurance specialist.

Why choose Guild Insurance as a speech pathologist?

Unlike many of our competitors, we are a 100% owned direct insurer. Which means not only do we work with your association (Speech Pathology Australia) with developing your policy, we work with them while administering it.

We partner with:

Speech pathology australia

We don’t answer to an international head office, and your policy is secured right here in Australia. All decisions are made at Guild, by someone who has a relationship with industry experts and associations.

partner

Endorsed by 10 out of 15
Ahpra regulated professions

247 claims support

24/7 Claim Support

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Members have access to solicitors at Meridian Lawyers with over 100 years cumulative experience

Hear from other speech pathologists

Speech Pathologists Renewal

01/03/2025

Quote Icon They provide regular information to support members in better understanding risks or ways to support them in the workplace. The information that they provide is clear and those of us who aren't legal trained can understand and know what we need to do to protect ourselves and business.
Speech Pathologists Business

01/04/2025

Quote Icon The process was straightforward and anything I was unsure about was explained. I was pleased that that I could get the insurance cover sorted out quickly which allowed me to just get on with my work.
Speech Pathologists Business

01/04/2025

Quote Icon Great experience, getting a quote was so straightforward that I recommended Guild to a colleague and she also signed up the day after me
 customers recommend
Working with over 130 associations
Insuring Australians for over 59 years
Insuring Australians for over 60 years
100% Australian owned
100% Australian owned

Learn how speech pathologists avoid claims with RiskHQ

Sharing and obtaining advice on social media

Dec 17, 2021, 16:53
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Title : Sharing and obtaining advice on social media
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Social media is a continually growing and changing online tool. How and when it should be used professionally isn’t straightforward, especially for health professionals.

It’s been recognised that many speech pathologists are using social media to seek clinical advice and support. While there are obvious benefits to doing this, as it allows you to access professional support from a wide range of people, this also carries risks which need to be carefully considered and managed.

Specific individual client advice

It’s not appropriate to use social media to seek advice or recommendations for a specific individual client. This is because the level of detail which would need to be provided about that client to obtain individualised advice is too great and should never be shared on social media, even if de-identified. All health professionals need to remember that social media is never private, even if ‘private’ professional chat groups are created. It’s too easy for information to be shared further or used in a way not intended. It’s also possible that a client could be identified by the information shared.  A speech pathologist may be keen to seek advice from colleagues, in which case it’s appropriate to identify those with particular expertise in the field and contact them individually, rather than ask for specific advice on social media.

Asking clients for consent to share their personal information in order to ask questions about their care on social media is not an appropriate way to support decision making about future intervention. Although a speech pathologist may think about asking for consent to share information, social media is not an appropriate place to have individualised case discussions. Posting detailed health related information also poses numerous risks to a speech pathologist’s responsibilities under the Australian Privacy Principles. These include requirements to protect information from misuse or unauthorised access, and to dispose of personal information that is no longer needed. These requirements may be difficult or impossible to manage once personal information is shared on social media.

General advice

It’s acceptable to use social media to obtain general advice about a client group, such as if looking for tips when using telehealth for clients with autism. However, in these cases, the advice being sought must be broad, general, and applicable to various situations and clients. As soon as individual client characteristics are raised or discussed, this conversation can’t continue online.

Speech pathologists who are considering providing advice via social media should be mindful that advice should only be general in nature, e.g. useful resource or relevant journal article. Responses and advice provided via social media interactions carry a degree of risk as it’s unlikely all client details/circumstances will be shared as if you were in a more formal supervisory arrangement. When speech pathologists need professional support related to a client, social media can be a helpful place to “cast a wide net” and find someone with experience in the practice area. The following discussion about the individual client can then be held offline. When using social media to find supervision, mentoring, or peer support, speech pathologists should be careful to only share general information online. They should also verify the experience of the person offering that support, create an agreement that addresses client privacy and terms of the partnership, and document support sessions.

Case Study

Alex has recently started seeing a client who requires intervention in an area where she has little or no experience. She would like to extend her skills in this area of practice but has identified that she needs support and education to make decisions about how to manage this client.

Alex considers all her options and decides to:

  • talk with her clinical supervisor who she knows has experience in this area
  • ask a co-worker who’s experienced in this area in a private setting
  • engage colleagues in a closed community of practice where participants have a confidentiality agreement and have acknowledged their experience
  • search for the latest evidence from quality sources
  • use social media to locate resources, ask for general information, or identify sources for continuing professional development

Alex thinks about asking which interventions should be used with this client on social media, but decides not to because:

  • she would need to provide specific client Information such as diagnosis, age, location, etc.
  • she has no way of determining if the information being shared is provided by individuals who have the relevant skills, knowledge and experience to make comments about the management of client issues.
  • the post could be shared beyond the confines of the social media community without her or her client’s knowledge or consent.

Additional considerations…

  • The knowledge, skills and experiences of those providing online advice cannot be verified, even if in a private group of speech pathologists. Individuals providing this advice usually won’t have insight or input into how the advice will be implemented in practice. Therefore, clinicians shouldn’t rely solely on advice sourced on social media platforms to make clinical decisions.
  • Professionals sometimes turn to social media for quick advice to assist them in that moment.  However, what’s often needed is ongoing guidance and support. This need won’t be satisfied in a social media exchange.  Therefore, speech pathologists need to consider other avenues available to them for gaining the support and advice they need.
  • Social media encourages short messages provided quickly and without a great deal of thought. Short messages can easily be misinterpreted or misunderstood. Professional support and decision-making require detailed sharing of information and thoughtful consideration by those who are both seeking and offering advice.
  • The sharing of information online may lead to a clinician breaching their ethical obligations to confidentiality and privacy, and the responsibility to uphold the quality and safety of the interventions provided to a client. This can have broad implications as speech pathologists always represent not only themselves and their business, but also the wider profession.

In summary, social media does have a place for seeking out or sharing professional clinical information of a general nature. However, whether asking for or providing advice, all clinicians need to carefully consider the circumstances of online interactions and be sure appropriate professional standards are being maintained.

Guild Insurance Limited ABN 55 004 538 863, AFS Licence No. 233 791.  This article contains information of a general nature only, and is not intended to constitute the provision of legal advice. Guild Insurance supports your Association through the payment of referral fees for certain products or services you take out with them. 

markets :
  • Speech Pathologists
types :
  • Professional
Categories :
  • Case Study
  • Guild Insurance
  • Social Media
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More frequently asked questions for speech pathologists

The law governs that any professional exercise the required skill to an appropriate level expected by that profession. A professional may be liable for financial loss, injury or damage arising from an act, error or omission of fault if the professional has not acted to the required level of skill deemed in that profession. Failure through this may result in the claimant (person who suffered the loss) be awarded for that loss, damage or injury.

Many professions require you to hold a professional indemnity insurance policy by law, such as Ahpra registered professions, but can be for other industries such as financial institutions also. Please check with your registration body or associations of your profession to know if it is required by law to have professional indemnity insurance. It is often also required by companies who take on contract workers that are not governed under the companies own insurance policy. It is acceptable for a company to ask you as the professional contractor to provide evidence of cover for professional indemnity before starting the contract period.

As stated above professional indemnity insurance covers you for breaches in relation to your professional duty. Liability insurance covers you for activity that results in personal injury or property damage as a result of your business activities that do not relate to your specific profession. An example may be someone who trips and is injured from spilled water within your office may be covered under liability, because it is your duty of care as business person to provide a safe environment. Whereas a person who suffers a loss or injury because of your professional treatment in relation to your job has caused it would usually be consider as an indemnity breach.

Generally business insurance is to cover the physical assets of your business for material damage loss and options for theft cover. It can also include cover for financial loss due to business interruption. Usually basic insurance does not cover breach of duty or flood cover, but if you speak to an insurance specialist it can often be added to your policy for a nominal fee.

Depending on the policy you are taking out, covers will often vary. At Guild insurance we specialise in making a policy to suit your business so that you are not over paying for covers you wouldn't normally need. The best thing to do is call 1800 810 213 to speak to an insurance specialist, they can find out what activities and structure your business is in to then provide you with adequate cover for you.

A certificate of currency (or COC for short) is a written document that confirms that your insurance policy is current and valid at a specific date and time. At Guild we provide easy access to your COC at any time within a few clicks of our online portal PolicyHub. If you are a new customer we can provide you with one post purchase.

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