Professional Indemnity Insurance for Chiropractors
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Professional Indemnity Insurance for Chiropractors
Here in the UK, the chiropractic profession is regulated by law. Therefore, if you’re a practising chiropractor, you must have professional indemnity insurance for chiropractors in place in order to offer your services to your clients and remain financially and legally protected.
As working in this field involves the physical treatment of your customers, you are always at risk of claims being made against you for many forms of negligence.
Having this cover not only allows you to run your business as a chiropractor but also safeguards you with financial protection in the unfortunate and unforeseen event of a claim.
Why would I need chiropractor insurance?
Not only is chiropractic insurance a legal requirement, but as a practising chiropractor, your clients put their trust in you daily, to diagnose, advise and treat them professionally and correctly.
Due to the sensitivity and nature of this hands-on profession, you are always at risk of negligence claims being made against you. It is therefore very important to have indemnity chiropractor insurance in place so you are covered should something go wrong and a negligence claim be made against you.
Chiropractor liability insurance is a different form of insurance that can protect you should a member of the public or a third party get injured or die, or there is damage to physical property where you could be held liable.
Is chiropractors’ professional indemnity insurance compulsory?
Yes, professional indemnity insurance for chiropractors is mandatory in the UK. The Health and Care Professions Council (HCPC) require their members to have appropriate indemnity insurance in place as a condition of membership. This is due to the nature of the industry, and the high risks that come with dealing with a client’s health, fitness and wellbeing.
What incidents can professional indemnity insurance protect chiropractors against?
There are several reasons why a claim could be made against you which would require financial or legal protection. Some of these include:
- Not carrying out a proper and thorough consultation with your client that leads to incorrect diagnosis and treatment.
- Misdiagnosing a client’s symptoms, resulting in unneeded or even dangerous treatment.
- Incorrectly performing spinal readjustments which leads to small or serious injuries.
- Providing bad fitness and exercise advice which leads to injury or health-related issues for your client.
- Being accused of false advertising.
- Breach of client confidentiality.
What are the typical policy exclusions on a chiropractic insurance policy?
Exclusions in chiropractic insurance policies can vary from policy to policy. Here are some typical exclusions you may be faced with:
- Treatments that are considered cosmetic.
- Treatments that may be new in the industry and don’t have enough data to support their effectiveness.
- Conditions that existed before the insurance was taken out.
Be sure to read through your policy documents carefully so that you are aware of these exclusions and aren’t caught off guard later in your career.
How much does chiropractor insurance cost, on average?
The cost of your chiropractor professional indemnity insurance will vary depending on your business details and personal circumstances. To get an accurate idea of pricing for you, get personalised quotes at Quotezone.co.uk. Simply enter a few key details, and be presented with instant, competitive quotes.
How is a chiropractor’s professional indemnity insurance premium calculated?
Many considerations will be taken into account by the insurance providers when they are calculating your premium. These considerations can include:
- The size of your business and its turnover
- The region your business is operating in
- The types of services you offer and the risks they expose your business and clients to
- Your skills and experience in the chiropractic profession
- Your previous claims history
If I’ve been sued by a previous chiropractic patient will that affect the cost of this policy?
Previous claims are taken into consideration when being provided with a quote. Being sued by a previous chiropractic patient can affect the cost of your policy. This may be due to insurance providers considering you to be a higher risk.
It is very important to answer all questions on the form accurately to have the correct cover in place. Being involved in a legal situation with a client can be stressful and worrying. The last thing you want when trying to make a claim is to find there’s an issue with your insurance due to an undisclosed important detail like being sued in the past.
Will the location of my chiropractic clinic affect the premium?
Yes, the location of your business can affect your premium for a number of reasons. These factors can include:
- Cost of living in your area
- Number of chiropractic businesses in your area
- Number of claims made in and around your location
- Healthcare costs associated with your area
- Availability and access to healthcare in your area
Does my level of training or experience affect the cost of chiropractor insurance?
Your level of training and experience can affect the cost of professional indemnity coverage for a chiropractor as this information helps insurers better understand the potential risks to your clients and your business when calculating your quote.
It is important to always to read your documents carefully to ensure you’ve provided accurate answers regarding your training and experience, otherwise, you may find that you do not have the correct cover in place for your business if and when you come to claim in the future.
Does professional indemnity insurance have an insurance excess?
Professional indemnity insurance for a chiropractor can have an excess to pay in the event of a claim. The excess can vary from policy to policy and can be either fixed or percentage-based, so it is important to check through your policy information carefully to ensure you’re not caught out by any unexpected costs later down the line.
How can I reduce the cost of my chiropractor indemnity insurance?
If you are looking to reduce the cost of your chiropractor indemnity insurance, here are some tips you can apply:
- Make sure to provide accurate information about your business and services.
- Carefully review your level of cover by properly evaluating your risk and exposure to potential claims.
- Shop around by comparing insurance quotes from various comparison sites online, Quotezone.co.uk has a wide range of insurers available for easy comparison
Should I use a professional indemnity insurance broker?
Using a professional indemnity insurance broker can give you a personalised experience with a hands-on touch when it comes to finding cover. However, that can be more time-consuming and more often than not, will come at a price.
By visiting an online comparison site like Quotezone.co.uk, you have the convenience of having multiple competitive quotes at your fingertips, allowing you to get set up quickly with the cover you need to carry out your chiropractic services.