Medical Malpractice - Allied Health Professionals

What is Medical Malpractice for Allied Health Professionals?

Whether you're an occupational therapist, optician, speech pathologist, nutritionist, or many of the other types of allied health workers, you are susceptible to the risk of making a mistake or omitting appropriate advice or treatment.

An allied health professionals are vulnerable to risk simply because they serve patients just like Medical Practitioners do. If a client decides to take legal action against you, the cost of defending the matter can quickly drain your finances and could even force you into bankruptcy!

Who does it affect?

If a patient issues a claim against you and accuses you of making a damaging or negligent error, what's the likelihood that you can defend yourself? If the court rules in favor of the plaintiff how do you plan on paying the financial damages? Will it affect your career or reputation?

While physicians and other healthcare professionals can rely on compulsory medical defence cover in the case of litigation, allied health professionals are not forced to take cover. We strongly recommend they do.

 

All Allied Health Professionals are at Risk! It is extremely important to manage your risk.

Why is it useful?

Allied health professionals should be able to treat their patients without needing to worry about litigation.

All allied health professionals need to obtain some form of Medical Malpractice Insurance. This coverage provides coverage for actual or alleged errors, omissions, negligence, breach of duty or similar claims arising from your professional duties. It also can provide cover for a breach of Privacy and Health Records legislation, Intellectual Property Infringement, Breach of consumer laws, legal representation at official enquiries and allegations of dishonesty. Further, Public Liability cover picks up those liability claims not directly related to your profession but arising from carrying out your activities. For instance if a patient is injured slipping, tripping or falling over whilst visiting your rooms.

Fortunately certain insurance companies provide specialist policies that focus on protecting allied health professionals and combine the two risks into one package especially tailored to your specific occupation and duties. An Allied Health Medical Malpractice combined liability insurance is one of the ways that you can protect yourself and your practice from the costs in firstly defending the matter and then if necessary settling the matter.

Taking out insurance is really about transferring risk to an insurance company, but it is also possible to reduce risk by carefully managing it using good systems and protocols.

Who can help?

It is important to work with professionals who understand your industry and your insurance needs.  By teaming with a broker who understands your profession you will be able to know more about these policies and conditions relevant to you. Contact a specialist insurance broker such as Cooper Professional Risks Pty Ltd.

An insurance broker's role is to act as your representative and work in your interests, seeking the best cover at the best price for you from market knowledge.

So call a good Insurance Broker. Call CPR.- Experts who will save you.

Cooper Professional Risks Pty Ltd trading as CPR Insurance Services is an Authorised Representative of National Adviser Services Pty Ltd (ABN: 60 096 916 184) trading as NAS Insurance Brokers (AFS No.233750)

Latest News

CPR joins Ausure

We would like to announce to all our Clients, Prospective Clients, Suppliers and Insurers, that Cooper Professional Risks Pty Ltd trading as CPR Insurance Services, will be leaving National Adviser Services Pty Ltd (NAS) and joining Ausure Pty Ltd as a Corporate Authorised Representative from 5 March 2018.

Fundamentally, there is no difference to you, except our Invoices will look a little different, and the Banking details will be in a different name and account number. Everything else at CPR stays the same.

There are a number of reasons we have made this decision, but the primary reason is for what we believe is best for our clients.

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Special offer to CPR Insurance clients

Employsure are providing a FREE Business Health Check to all our clients and gives you the opportunity to receive an analysis of the health and safety requirements in your workplace. Also. Employsure  will review your employment agreements as well as your wage rates helping you to avoid workplace claims.

Ordinarily this would cost you at least $1,250 but because you are a CPR Insurance client, it is free!

It involves the following review for you.

SAFECHECK

A specialist Work Health and Safety Consultant will visit your workplace and carry out:

A review of your business’ current work health and safety policies, procedures and systems to identify areas of concern or non-compliance

Following the review, you will receive a report summarising the findings and the health and safety

Status of your workplace

WAGE CHECK

A Wages Adviser will review your rates of pay and produce a Wage Check report.

The review will be conducted against the industrial instrument applicable

A report will be supplied advising if the wages are compliant and what steps to take to achieve compliance

CONTRACT REVIEW

A Document Consultant will review an employment agreement and provide recommendations.

The review will highlight compliance issues with the Fair Work Act 2009 as well as best practice

The report will make recommendations to achieve compliance and provide protection to your business.

This will remove any areas of potential dispute and risk

So what do you have to lose? Contact us on 07 3123 1137 and arrange 

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