Homeopaths are doctors that treat people with the help of natural herbs and medicines.
Homeopaths treat a range of conditions; they might be physical problems, such as skin ailments, asthma or arthritis, or they might be of an emotional or psychological nature, like depression or phobias.
Why do Homeopaths need professional indemnity insurance?
Basic responsibilities of homeopaths include:
- Communicating with patients in order to develop a detailed case history comprising psychological, emotional and physical symptoms and characteristics
- Using homeopathic remedies to treat a range of conditions e.g. arthritis and eczema
- Analysing each case to select a remedy or series of remedies appropriate for the individual (this may take several consultations)
- Monitoring and evaluating patient progress
- Responding to patient queries and problems, either face to face or over the phone
- Instructing patients about the use and effects of particular remedies
- Advising on lifestyle issues, such as diet, exercise and mental health
- Referring the patient to other health practitioners, as appropriate
- Maintaining detailed clinical notes and records for each patient
- Visiting patients in their home (though this is less common than patient contact in a clinic)
- Researching medical conditions and homeopathic remedies
- Running seminars and presentations for groups in the community, or for other health practitioners, to promote homeopathy
Even expert Homeopaths can make mistakes will performing their duties. Therefore it is recommended they have Public Liability Insurance and Professional Indemnity Insurance to protect them in the time of financial charges against them by providing them legal and financial aid.
Public Liability Insurance for Homeopaths
If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.
Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer's home. The claim to replace the item would be covered by public liability insurance.
Key exposures for Homeopaths:
- Negligence in diagnoses
- Prescribing wrong treatment plan
- Failure in providing timely treatment
- Negligence in giving advice to clients for physical wellbeing
Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.