Insurance

insuranceAll 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.

 

  1. Insurance and policy details
  2. Guidance and support from our Ethics committee
  3. Regional networking opportunities

 

  1. Insurance for the members of the College of Foot Health

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 College of Foot Health 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.

2. The Ethics committee

This is a detached board of the National Executive Committee that operates in confidence under the leadership of an elected Director of the National Executive. All members are elected officials of the National Executive and bound by a strict confidentiality agreement. Matters that come within the purview of the committee are not shared externally to other board members or other members. A confidential secretary role to the committee is fulfilled by the most senior employee of the COFH, the Company Secretary, who is likewise bound by the confidentiality requirements of the committee.

The committee meets quarterly as well as being directly approachable at other times for advice by members with ethics concerns. It is non-judgmental and has access to confidential independent legal advice on matters which affect members fitness to practice or similar factors.

It is not a general legal advice facility for any subjects outside ethical matters. Members wishing to submit matters to the committee should in the first instance contact the Company General Manager, Jill Burnett- Hurst, in confidence by phone or letter for guidance on how to proceed.

3. Regional networking

All members of the College are allocated to a geographical region, ie. North West, Midlands etc. Each region elects a representative, who then goes forward as an appointed Director to the Executive Board. This means that local and regional events can be organised that range from social gatherings to local or regional education events encompassing speakers from across the whole spectrum of medicine and podiatric medicine.

This unique involvement of local members in the national stance and direction of both the IOCP and COFH and has been its cornerstone for more than 8 decades and in today’s ever more challenging professional arena means that College members can, and do, influence matters of importance to the whole profession of Foot health.