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Training professional indemnity and public liability insurance

What you can be covered for as a working professional

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 working professionals combining: professional indemnity insurance, public liability insurance, and product liability insurance.

Professional indemnity

Professional indemnity insurance covers claims against you for errors, omissions or negligence in your work. If your advice or service leads to a client’s loss or injury, this cover can help pay legal costs and compensation.

Public liability

Insurance that covers you if someone is injured or their property is damaged because of your business activities, whether it happens at your premises or somewhere else, like a park or a client’s home.

Product liability

Insurance that covers you if a product you sell or supply causes injury or property damage. This includes things like a client getting sick or injured from items such as foam rollers, orthopaedic pillows or massage tools.

 

Extra benefits of this 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.

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.

Partnership with leading industry associations

Guild is the principal partner of many leading industry associations and has been for years.

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

Insurance for students studying

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.

To find out whether your studies are covered by insurance, click here.

Chiropractic Student

Not just an insurance policy
Risk articles with RiskHQ


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

Maintaining personal safety and a safe chiropractic practice

Jan 11, 2023, 12:02
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Title : Maintaining personal safety and a safe chiropractic practice
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All employers, business owners, contractors and employees have an obligation to create and maintain a safe working environment.  And to do this we all need to think about what makes our workplace unique in terms of the risks and the strategies needed to keep it safe.

There are a few ways in which chiropractic clinics can pose risks to the personal safety of practitioners, other people who work there and patients.  One on one consultations mean that the chiropractor is always alone with a patient.  Small practices can lead to chiropractors being the only worker present in a clinic.  And the varied hours of clinics will often see practitioners working late at night.

Below are some tips to help you create a safe workplace for everyone who comes into your practice.

  • When booking in a new patient who you know nothing about, consider booking them in during a busy time of the day when there are other staff around, rather than when the chiropractor will be in the practice alone.
  • If you have a patient who for any reason raises some red flags in terms of the chiropractor’s comfort levels, only allow them to book in when there are others in the practice.
  • When a chiropractor is practicing in the evening and is the only person working at that time, consider locking the front door to the practice.  If you do this, explain to any patients inside what you’re doing and why.  And consider your process for other patients who’ll be arriving.  Will you let them know the door will be locked and that they’re to wait outside till you’re ready for them?  Maybe you’ll only lock the door once the final patient for the day has arrived.
  • Installing a buzzer on the front door notifies you when it’s been opened, thereby allowing you to be sure when people are entering your practice.
  • Consider installing a reception area camera and post clear signage so anyone who enters understands they’re being filmed and will be identifiable.  Don’t use cameras in actual treatment rooms.
  • Consider walking patients and colleagues to their cars when it’s late, however be sure to consider your own safety when doing this.  Provide clients with advice on safe places to park.
  • Always lock your car doors as soon as you get in, and keep in mind criminals can approach from varying angles so they may be in your blind spot.
  • Unfortunately, chiropractors sometimes will be faced with the challenging situation of a patient asking them out or suggesting a romantic relationship begin.  Often when this happens, the patient isn’t aware that relationships between practitioners and patients aren’t allowed.  Thinking about this situation before it occurs and having a plan for what to say and do can make it easier for the chiropractor to deal with it immediately and professionally. If patients appear reluctant to accept your refusal, make sure they’re booked when others are on site, or with other practitioners in future.
  • If the practice is in the home of the chiropractor, have processes in place to separate the living space from the practice and therefore protect the privacy and safety of the practitioner and their family members, especially children.  And be aware, family members may also breach a patient’s privacy or modesty so ensure everyone in your household understands the rules.
  • Keep records of any uncomfortable, challenging or threatening behaviours from patients, and be sure to save anything that’s received via text or email.  This information is to be recorded in the patient record.  The details on what occurred can be brief yet must be professional, keeping in mind records can be seen by others.
  • Don’t contact patients via your personal email or mobile phone or provide these details to them. If you need to contact them while off-site, put your phone on “No Caller ID” so they don’t have access to your phone number.  If you leave a voicemail message, ask the patient to call the clinic phone, not your mobile.
  • Have a practice policy that advises against practitioners connecting with patients on social media as these connections can contribute to the blurring of professional boundaries.  And be sure to understand the privacy settings of any social media platforms used.
  • Discuss any challenging or awkward situations with your colleagues or other chiropractors and even other healthcare professionals.  This not only provides support when dealing with challenging situations, it also can provide additional tips for how to manage these situations.
  • If you’d like some assistance to deal with a challenging patient who’s making you feel uncomfortable or threatened, contact the Australian Chiropractors Association for advice and support.

Download pdf here

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