All Foot Health practitioners can apply to join The College of Foot Health industry leading malpractice Insurance Cover Scheme.
The College of Foot Health are proud to offer our members a comprehensive, market leading support and insurance package.
As a valued member of the College of Foot Health, we are delighted to offer access to a bespoke insurance policy, exclusively available to members. This explains in summary what is included in your policy, how it differs from other insurance products available and why it is so vital to a practising Foot Health Practitioner to ensure you have the right insurance in place. Our dedicated insurance provides you with direct access to claim specialists experienced in dealing with medical insurance claims. Should there ever be the need to use them you will be supported throughout, with a dedicated claims handler and expert advice.
What does my policy include?
- Public Liability Insurance: This type of insurance would cover you if a patient or member of the public was to suffer a loss or injury and they made a claim for compensation against you. This could be a slip or trip in your premises resulting in injury or damage to their property. Public Liability cover is included as standard with an indemnity limit of £5,000,000.
- Legal Expenses Insurance: This type of insurance would cover you for any legal costs incurred during the defence of a claim. For example, it would help cover the appointment of solicitors, barristers and expert witnesses. Also included is access to a dedicated legal advice helpline, which can help you deal with disputes with suppliers, tax enquiries or problems with employees. Legal Expenses is included as standard with an indemnity limit of £100,000.
- Medical Malpractice Insurance: This type of insurance would cover you in the event of any potential negligence committed by you resulting in harm to a patient. Medical malpractice insurance covers you for such things as court costs, settlements and the award of damages. Medical Malpractice cover is included as standard with an indemnity limit of £5,000,000.
Without Medical Malpractice cover, you could be held personally liable for any of these costs. Alternative insurance policies rarely include Medical Malpractice cover as standard, making the policy available to IOCP members so valuable.
What does my policy cover?
For a Foot Health Practitioner the policy includes the treatment of cutting fingernails for patients who are unable to do this for themselves. Also includes cover for Aromatherapy and/or Reflexology (below the knee only) and/or Manicures and/or Pedicures.
NOTE: When obtaining a quotation for insurance, or requesting cover under an existing policy, you are required to make a fair presentation of the risk to insurers which discloses every material circumstance which you know or ought to know relating to the risk to be insured. A circumstance is material if it would influence the judgment of a prudent insurer in determining whether to provide insurance for the risk and, if so, on what terms. Disclosure must be reasonably clear and accessible to a prudent insurer and made in good faith. The aforementioned duty of disclosure is the applicable duty under the laws of England and Wales.