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

Robert Cooper - one of 100 faces of small business

This week it was announced as part of Small Business Week,  that Robert has been named one of the 100 faces of small business for a State Government promotion on the great value that small businesses play in the State of Queensland.

You can see Robert's entry here:

It is the third accolade for CPR Insurance Services in a month and after seven and a half years in business is a real pep up for the company.

For Robert, it is the culmination of many years experience, becoming well qualified, experiencing the highs and lows of a career and always wanting to contribute to his community. Sometimes, these things just come together and you receive recognition for your efforts.

Robert says that there is no doubt that starting your own business is a huge challenge, but with the right research and planning, the right people around you and a good set of values that you apply to the vision of the company, you have a very good chance of making it all succeed.

Robert says he is lucky. He has a strong supportive Wife, Mandy, who is also part of the business, along with efficient and hard working staff such as Julia McLauchlan and Aidan Harmer who are building up their own skills in a learning environment. 

However, the most important and most supportive people for CPR Insurance Services are our clients who have stuck by us and supported us over the past seven years. Our focus remains on providing the best possible service we can and always acting in their best interests. To all our clients, we say thank you!

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CPR Insurance wins Brokerage of the year

CPR Insurance Services picked up the award for the Best Brokerage (1-5 staff) in Australia, last Friday Night (4th May 2018) at the Insurance Business Magazine Awards held at the Westin in Sydney.

Judging came from various parts of the industry. It is a great honour to be recognised for our hard work and particular Business values we follow. A full list of winners is listed here.

Success comes from having great staff, and we thank Aidan Harmer and Julia McLauchlan as important support staff for helping us win such an award.

CPR Insurance has been in operation for more than 7 years now and is only successful because of the wonderful support from our staff, insurers and most importantly, our fantastic clients who put their faith and trust into our company to be their Risk Advisers and Brokers. 

Thank you to all.

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