You may face situations where your patients look to hold you responsible for injuries they deem to have received as a result of your professional service as a Medical Radiation Science Professional.
Professional Indemnity protects you against liability or allegations of liability for injury or damages that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a Medical Radiation Science Professional. Professional Indemnity protects you by ensuring that your legal defence is coordinated and paid for if a claim is made against you. Your medical malpractice also covers the cost of patient compensation, or damages.
Public and products liability insurance protects you against claims arising from injury or property damage that you may cause to another person as a result of your operations and/or premises. For example, a patient may fall and injure themselves on a wet floor in your office and look to hold you responsible. That’s why public and products liability is commonly referred to as “slip and fall” insurance.
Public and products liability coverage is recommended for a Medical Radiation Science Professional who owns or operates clinics. This coverage is also recommended for independent practitioners who contract out their services or bill under their business name. As an example, if you are an independent contractor and accidentally cause damage to the property in which you are working, the property owner may look to hold you responsible for compensating them for the costs of repairs. Your Public and products liability policy would respond under these circumstances.
Please note that this list provides an initial framework for decision-making but should not be considered comprehensive broker advice, nor should it be relied upon as such. You should always speak with an insurance professional at BMS Group to determine the most appropriate coverage for your specific practice circumstances.
If you require additional assistance in determining the most appropriate coverage for your specific circumstances, please contact a member of the BMS team at 1800 940 761 or firstname.lastname@example.org.