Osteopaths indemnity and liability insurance

You take the aches and pains out of everyday life. We take the pain out of insurance by tailoring our policies to better protect your reputation and livelihood.

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Osteopathy australia

Osteopath professional indemnity and public liability insurance

What you are covered for as an osteopath

General indemnity and liability insurance

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 osteopaths combining: professional indemnity insurance, public liability insurance, and product liability insurance.

Professional indemnity

Insurance cover for claims made against you from the work you do as an experienced osteopath. For example, if an osteopath applies a manual technique incorrectly, and this results in a muscle strain or injury to the patient during treatment.

Public liability

Insurance cover for injury and property damage that happens to third parties and clients in connection to your business, such as a slip or a fall - either in your premises or away from your premises, such as a park or client’s home.

Product liability

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; massage oils, topical creams, posture support and other products.

 

Cover and benefits of this osteopath insurance policy

 

  • Nil Excess Icon Of Dollar Sign Crossed OutNil basic excess on liability claims
  • Two Palm TreesRun-off cover which protects you when you’ve ceased practising permanently
  • Law IconCover for legal costs and expenses associated with complaints to your registration body, disciplinary proceedings or a coronial inquiry
  • Cooling Off IconProvides a 21-day cooling-off period, allowing you to change your mind after purchasing coverage
  • Cooling Off IconOngoing education through our RiskHQ, providing you with relevant and informative information on the risks that matter to you
  • 24/7 Support IconRound-the-clock support with 24 / 7 claim support line availability

To find out more or to get your hands on our policy wording, simply call us on 1800 810 213.

Common osteopath FAQs

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.

Our partnership with osteopathy australia

Guild is the principal partner of Osteopathy Australia and has been for over 16 years.

We work closely with your association to tailor an insurance policy suited to your unique needs.

Osteopathy Australia is the national peak body for osteopaths, dedicated to promoting musculoskeletal health and supporting the highest standards in osteopathic care across the country.

Insurance for students studying to be an osteopath

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 Osteopathy Australia has chosen Guild Insurance to look after your insurance needs.

Osteopathy students and interns will now be offered insurance through Osteopathy Australia.

Simply register with Osteopathy Australia under the Student Policy to be eligible for your cover.

Osteopath Student

Not just an insurance policy
Risk articles with RiskHQ

Osteopaths

You can visit RiskHQ at any time to read up about the unique risks you face as an osteopath. We cover a variety of risk management topics, from managing complaints, to social media risks, maintaining your practice, and much more.

Why has my osteopath touched me there?

May 9, 2019, 10:11
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Title : Why has my osteopath touched me there?
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Guild Insurance sees numerous allegations against osteopaths each year where the patient claims the osteopath has touched them in an inappropriate sexual way during treatment. Receiving and dealing with these types of allegations can cause a great deal of stress and anxiety. It’s therefore vital that practitioners understand what they should be doing during every consultation to avoid this type of complaint.

Case example one

An osteopath provided a range of assessments and treatments to a patient’s spine and pelvis. The patient alleged the osteopath didn’t provide adequate privacy to undress and dress, and that the towel used to provide cover was too small. Overall, the patient felt very vulnerable and uncomfortable throughout the consultation.

Case example two

During the consultation, the osteopath treated, amongst other areas, the patient’s adductor muscles. The patient complained they felt violated and didn’t understand why they needed to be touched ‘down there’ to help treat back pain. It was found that the osteopath did gain consent to treat the adductor muscles, however it wasn’t informed consent as the osteopath didn’t explain where the adductor muscles are located.

How can these allegations be avoided?

Be mindful when asking patients to undress

It’s generally accepted that removal of some clothing supports osteopathic assessment and treatment. However, it doesn’t mean your patients will understand the reasons, feel comfortable with it, or give their consent.

  • Consider making patients aware prior to their appointment that they may be asked to remove or adjust clothing, if they’re comfortable doing so. This allows them to consider what clothing might be most suitable and practical to wear.
  • Don’t ask a patient to remove more clothing than is absolutely necessary. Also consider when it might be possible to just move or adjust clothes, rather than remove them.
  • Be very clear about what you want them to remove and what they should leave on. Simply asking them to undress is likely to cause confusion and apprehension.
  • Be sure you explain to patients why you would like them to remove their clothing, keeping in mind it might not be obvious to them.
  • Give patients privacy when undressing and dressing by either having a screen for them to go behind, or by leaving the room, even if they aren’t removing much. Simply turning your back is not acceptable.
  • Provide the patient with clean towels and/or gowns. These must be actively offered to all patients; simply having them available in the treatment room isn’t enough. And they must be of a sufficient size and quality to protect the patient’s modesty.
  • If moving or adjusting the patient’s clothing during treatment, such as unclipping a bra, seek the patient’s consent first, and ensure you offer to re-clip/re-position the clothing afterwards.
  • Remember that patients can decline to consent to adjusting or removing clothes; don’t assume they’re ok with it.

Gender is irrelevant

It’s easy to think that allegations of inappropriate touching are predominately issues when treating patients of the opposite gender. However, this isn’t the case. Regardless of the patient’s or your gender, there’s always a possibility for the patient to feel uncomfortable. The way you explain treatment to patients and seek their informed consent should not differ based on the patient’s gender.

How soon is too soon?

There are varying degrees of touching patients with some treatment techniques being closer to sensitive and private areas. Consideration must be given to how soon some treatments should be provided to new patients. Osteopaths should use their professional judgement when determining appropriate technique choices for their new patients, even if the patient gives consent. A possible approach to introducing new techniques is to discuss the treatment in one consultation yet provide the treatment at a later consultation after the patient has had time to consider it.

Informed consent to treatment

Osteopaths would be aware of their professional obligation to ensure a patient has given their informed consent prior to assessment and treatment. For a patient to be able to give informed consent, they need to have had the assessment and treatment explained in a manner they understand. This means avoiding clinical language which may be confusing while providing the risks and benefits to what you’re proposing and allowing time for the patient to ask questions. As osteopathy is very hands on, it’s important to clearly explain to patients where you’re proposing to touch them, and why. It may even require you to demonstrate on yourself exactly where you’re referring to.

Remember that in some cases you won’t directly touch the patient where they feel pain, so the treatment area may not be obvious to them. And keep in mind that even after treatment has commenced, patients can withdraw consent at any time, if they don’t feel comfortable.

Signed consent forms should be considered, especially for treatment to particularly sensitive or private areas. However, asking a patient to sign a consent form MUST NOT replace discussing the treatment process with them.

Record keeping

Record keeping is a professional requirement which serves several purposes. Detailed and accurate clinical notes allow for continuity of patient care. They also provide evidence of what took place during a consultation, and why.

If a patient alleges they’ve been touched inappropriately, the osteopath’s clinical record will be examined for evidence of treatment provided and the clinical justification for this. The clinical record should also contain evidence of the patient consenting to the treatment. Without this information in the clinical record, it becomes very difficult for an osteopath to defend their actions.

Don’t make assumptions

As with any professional, osteopaths can become overly familiar with what they know and do every day. However, they must remember that patients won’t have that same level of familiarity when it comes to osteopathy. Regardless of how many times an osteopath has treated a patient, they should never make assumptions about what the patient will understand, be comfortable with and be willing to consent to. Treatment always needs to be explained to patients, even if they’ve received that treatment before.

Consider the patient’s demeanour

While it isn’t expected that an osteopath can be sure of what a patient is thinking and feeling just by their body language, we can sometimes gauge when a person is feeling uncomfortable with a situation. If you have a patient who appears to not be comfortable with the treatment being suggested or carried out, stop what you’re doing and assess the situation. You may need to further explain the treatment to ensure it’s better understood. You may need to reposition clothing or towels, so the patient is more adequately covered. Or you may need to remind the patient that they don’t have to consent to treatment being proposed and discuss other treatment options. It’s also worth informing patients that they can bring a support person, such as a friend or relative, into the treatment room with them, if that would make them feel more comfortable.

Talking while treating

Osteopaths are recognised as being very personable and friendly health professionals. While this can be very beneficial in terms of building relationships with patients, it can also have its downside. Having non-treatment related chats with a patient during treatment is acceptable, however there’ll be occasions when the chatting should cease so further information about treatment can be discussed. It’s far too easy to forget what has and hasn’t been explained, and consented to, when continually chatting during treatment.

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