{"id":14593,"date":"2021-04-01T10:25:00","date_gmt":"2021-04-01T09:25:00","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=14593"},"modified":"2023-12-28T13:36:00","modified_gmt":"2023-12-28T13:36:00","slug":"whats-malpractice-insurance-and-why-is-it-different-to-professional-indemnity-public-liability","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/whats-malpractice-insurance-and-why-is-it-different-to-professional-indemnity-public-liability","title":{"rendered":"What’s malpractice insurance and why is it different to professional indemnity & public liability?"},"content":{"rendered":"\n

<\/p>\n\n\n

\n
\"Malpractice<\/figure>\n<\/div>\n\n\n

First, a quick game of word association. What word immediately springs to mind when you hear someone say \u2018malpractice\u2019? Most likely: \u2018medical\u2019.<\/p>\n\n\n\n

But you\u2019d be wrong to assume it\u2019s something only doctors should be worried about. And you’d be right to wonder whether more professionals than medics alone need medical malpractice insurance<\/a><\/p>\n\n\n\n

That\u2019s because malpractice has such a wide reach. It\u2019s an allegation that can be aimed at anyone offering services with the potential to inflict bodily or mental damage.<\/p>\n\n\n\n

So, not just doctors \u00ad\u2013 but aestheticians, hairdressers, beauticians, complementary therapists, personal trainers, yoga and Pilates teachers, and counsellors too. They all run the risk of unintentionally harming their clients.<\/p>\n\n\n\n

Maybe a hair bleaching procedure goes seriously wrong, triggering a major allergic reaction. Perhaps a counselling client claims you heightened their mental stress instead of relieving it. Or a yoga asana too far causes a slipped disc.<\/p>\n\n\n\n

In cases like these, a simple, heartfelt \u2018sorry\u2019 usually won\u2019t cut it. Instead, a claim for compensation often follows \u2013 which means not only expensive legal fees but potentially eye-watering damages payments. Oh, and a whole heap of stress.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Malpractice insurance v professional indemnity <\/h2>\n\n\n\n

Professional indemnity insurance is worth its weight in gold in many situations. It protects you if someone says your professional services weren\u2019t up to snuff and they suffered financial harm because of it.<\/p>\n\n\n\n

But we\u2019re not talking just about being out of pocket here \u2013 we\u2019re talking actual bodily injury and mental anguish allegedly caused directly by you. That\u2019s the kind of suffering it can be difficult to put a price tag on.<\/p>\n\n\n\n

Agreed, it occurred in the course of your normal work, so is intrinsically linked to your professional services. But professional indemnity insurance<\/a> simply isn\u2019t designed to cover physical or mental harm.<\/p>\n\n\n\n

Instead, treatment (also known as ‘medical’) malpractice insurance picks up the baton if there\u2019s a claim and pays all your legal expenses as well as any compensation you\u2019re liable for. That\u2019s crucial because damages for more serious injuries can run into the \u00a3thousands.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Malpractice insurance v public liability<\/h2>\n\n\n\n

You might be wondering whether your public liability insurance might pick up the tab instead. Unfortunately, it won’t. Not if it\u2019s a treatment, therapy or some sort of physical coaching that\u2019s gone wrong.<\/p>\n\n\n\n

Sure, public liability (PL)<\/a> covers third-party injury, just like malpractice insurance does. But PL is concerned with haphazard accidents \u2013 like if a client trips over a loose floorboard and breaks a leg.<\/p>\n\n\n\n

What public liability doesn\u2019t<\/em> do is help pick up the pieces if a client suffers bodily or mental harm in the course of you doing your job. That\u2019s what treatment malpractice insurance is for.<\/p>\n\n\n\n

It\u2019s still a good idea to have PL though, especially if clients come to your premises, or you visit them at home. It protects you against mishaps \u2013 so if your treatment table collapses and your client gets hurt, you\u2019re covered. Likewise, if you somehow ruin their living room carpet.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Anything else I need to know?<\/h3>\n\n\n\n

Yes. It\u2019s important to understand that treatment malpractice insurance is a \u2018claims made\u2019<\/a> policy. That means you\u2019re only covered for a claim if your insurance is active at two points:
1. when the treatment, therapy or tuition is given
2. when a claim is reported.<\/p>\n\n\n\n

And because claims can take a while to surface (think: psychological trauma, insidious backache), you always need to be looking over your shoulder.<\/p>\n\n\n\n

So, if you\u2019re changing insurers, make certain to tell your new one that you\u2019ve had treatment malpractice insurance before. That way they can backdate your new cover to the start date of your original policy and include your past work by adding \u2018retroactive cover\u2019<\/a>.<\/p>\n\n\n\n

Don\u2019t get too complacent if you wind up your business, either. If you cancel your insurance, any claims that crawl out of the woodwork afterwards won\u2019t be covered. A better bet is to convert to run-off cover<\/a>, which insures you against claims from the past, but gradually reduces in cost.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Takeaways<\/h3>\n\n\n\n

A few things to remember here, then:<\/p>\n\n\n\n

    \n
  1. Malpractice doesn\u2019t have to be just medical.<\/li>\n\n\n\n
  2. Professional indemnity and public liability don\u2019t cover the same territory as treatment malpractice insurance.<\/li>\n\n\n\n
  3. For a claim to be covered, treatment malpractice needs to be live both when the work is done and when the claim is made.<\/li>\n<\/ol>\n\n\n\n

    Take all three on board and you\u2019ll find a combination of good practice and the right insurance means malpractice doesn\u2019t have to be as big an issue for your business as it could be.<\/p>\n\n\n\n

    If you want to know any more about malpractice insurance you can ring the team on 0345 222 5391<\/strong>.<\/p>\n\n\n\n

    Image used under license from Shutterstock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

    First, a quick game of word association. What word immediately springs to mind when you hear someone say \u2018malpractice\u2019? Most likely: \u2018medical\u2019. But you\u2019d be wrong to assume it\u2019s something only doctors should be worried about. And you’d be right … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[289],"tags":[137,152,150,155,154,263],"class_list":["post-14593","post","type-post","status-publish","format-standard","hentry","category-treatment-liability","tag-insurance-explained","tag-malpractice-insurance","tag-managing-risk","tag-retroactive-cover","tag-run-off-cover","tag-treatment-professional-liability"],"acf":[],"yoast_head":"\r\nWhat's malpractice insurance?<\/title>\r\n<meta name=\"description\" content=\"Find out how treatment malpractice insurance protects you if you injure a client. 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