You don’t have to crack under pressure. Our insurance policies are tailored to meet the needs of the Australian chiropractic profession to better protect your reputation and livelihood.
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If you're forced to defend your professional reputation, you'll want the best support behind you.
Our policies include three types of insurance in one designed specifically for chiropractors combining: professional indemnity insurance, public liability insurance, and product liability insurance.
Insurance cover for liability for injury or property damage caused by goods sold or supplied by you. This can include cover for clients getting sick or injured from products you provide for example; foam rollers, orthopaedic pillows, massage tools
To find out more or to get your hands on our policy wording, simply call us on 1800 810 213.
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.
Guild is the principal partner of ACA and has been for over 13 years.
We work closely with your association to tailor an insurance policy suited to your unique needs.
The Australian Chiropractors Association is the peak body for chiropractic in Australia, dedicated to advancing spinal health and supporting the wellbeing of all Australians.
As a student, we understand you’ve got enough to worry about between completing your studies, getting enough practice hours in and preparing yourself for working with clients. The last thing on your mind is insurance cover. But one small accident could set you back for life. And that’s why ACA has chosen Guild Insurance to look after your insurance needs.
Simply register with ACA under the Student Policy to be eligible for your cover.
You can visit RiskHQ at any time to read up about the unique risks you face as a Chiropractor. We cover a variety of risk management topics, from managing complaints, to social media risks, maintaining your chiropractic centre, and much more.
Chiropractors regularly deal with challenging situations and are continually required to make difficult decisions. However, these decisions don’t always relate solely to the clinical care they’re providing their patients. Unfortunately, sometimes chiropractors will face other difficult situations with their patients and knowing how to manage these isn’t always easy or obvious.
The information below highlights three challenging scenarios, which are not uncommon in chiropractic, with tips on how they could be managed.
Patient requesting specific treatment
Some patients will attend their chiropractic appointment with what they believe is an understanding of their condition and how they should be treated. These patients will often request, maybe even demand, a particular type of treatment. This information may be based on how they’ve been treated by a chiropractor in the past. Sometimes it will be based on information non-clinically trained people, such as friends, have shared with them or even information they’ve read online.
Chiropractors must be sure all patients are assessed thoroughly regardless of what the patient tells them about their condition; the chiropractor as the health professional needs to be sure. Following the assessment, the chiropractor may determine that the treatment being requested isn’t appropriate for that patient based on their current clinical situation.
When the treatment the patient has requested isn’t ideal for them, they may not be happy with the decision to not provide this. This requires the chiropractor to explain to the patient what treatment is recommended and why. Chiropractors must be sure they don’t allow themselves to be coerced into providing treatment against their better judgement and they need to be sure all treatment they provide is clinically justified. If there is a poor outcome following treatment and the choice of treatment is questioned, stating that the patient demanded that treatment isn’t a justification for it being provided.
In many cases, the patient will accept the chiropractor’s treatment recommendation. However, chiropractors need to be prepared for the possibility that some patients won’t agree with this recommendation and may leave the appointment disappointed. Unfortunately, it’s not possible to please all patients.
If the situation above occurs, it’s vital that the patient’s request is noted in the clinical record so there is a full history not just of what treatment was provided but of all conversations regarding the treatment.
Patients seeing multiple practitioners
Some patients will choose to visit multiple practitioners for the one condition. A common reason for this that they aren’t satisfied with the treatment outcome from one practitioner, so they try others hoping for a different result. They may choose to see different chiropractors, or they might see different types of practitioners such as osteopaths and physiotherapists as well as a chiropractor.
In most cases, a patient seeking a different opinion shouldn’t be cause for concern. However sometimes a patient who has seen numerous practitioners and has been unhappy with them all may be a patient who’s difficult to please and chiropractors should be mindful of how they manage this situation.
In cases where a patient presents criticising the treatment provided by another practitioner, it’s important that chiropractor doesn’t also criticise this treatment. The chiropractor doesn’t have the full story of how the patient presented to the other practitioners, what treatment was provided and why. Criticising the work of other practitioners is not only unprofessional, it can also encourage, even if unintended, the patient to make a formal complaint about that practitioner.
Quite often patients are unhappy with their treatment outcome due to them having unrealistic expectations. Assisting a patient to form realistic expectations about treatment requires effective communication before treatment starts. Therefore, be sure that with all patients the likely and realistic treatment outcomes are discussed with them prior to any treatment being performed. And this conversation needs to be had using language they’ll understand so avoid clinical jargon.
If a chiropractor has a very uneasy feeling about a patient due to it appearing difficult to meet their needs, the chiropractor can decline to provide treatment. However, the chiropractor needs to acknowledge that not providing treatment could upset the patient. Therefore, this discussion needs to be planned and worded in a way unlikely to cause offence. Exactly what is said will vary depending on the situation, however it would be reasonable to let the patient know that due to the patient not getting benefit from previous treatment similar to what would be provided, the chiropractor may not be the most appropriate person to provide further treatment. The patient could be advised to see another health professional such as a medical practitioner.
Blurred boundaries
The relationship between a patient and chiropractor is a professional relationship. However, at times the behaviour of patients and chiropractors can blur the boundaries of this relationship and it can start to seem more of a personal relationship which isn’t appropriate.
Chiropractors need to remember that their patients are just that, patients. They aren’t friends and shouldn’t become friends. There are a couple of simple rules to follow to avoid this change of relationship.
Chiropractors should avoid socialising with patients. Sometimes a chiropractor will treat a patient and their family for many years which leads to them getting to know each other quite well. This can lead to chiropractors being invited to family birthdays and other events. While it may seem impolite to decline these invitations, accepting them can complicate the professional relationship.
With the continually increasing use of social media, there can be a temptation to connect on social media with a large number of people. If a chiropractor has a professional social media account, only used for professional communications, it’s okay to connect with patients through this account. However, chiropractors shouldn’t connect with patients on a personal social media account.
Chatting to patients during consultations is a great way to seem more personable and make patients feel relaxed. However, if there is too much personal chatting the chiropractor is possibly not spending enough time discussing the treatment being provided. Also, there have been occasions when personal conversations have been misinterpreted by the patient and they’ve felt uncomfortable with the chiropractor discussing information not related to treatment.
Unfortunately, keeping clear boundaries can be a little challenging for those chiropractors practicing and living in small towns or communities where many people know each other. In these situations, the chiropractor needs to ensure that if they are treating someone they know, they maintain their professional standards during consultations and not treat these patients differently to others.
If you run a chiropractic clinic and need insurance for your premises, equipment, and more, visit our information on business insurance for chiropractors.
*Coverage up to $20 million requires your selection of cover up to this limit during the quote and purchase process.
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