Paramedics work in emergency medical situations. They provide emergency medical assessment, treatment and care in an out of hospital environment.
Why do Paramedics require Professional Indemnity Insurance?
Paramedics may perform the following tasks:
- Assessing wounded or ill patients to determine what medical attention is required
- Stabilizing patients
- Transporting patients to hospital
- Keeping records
- Providing first aid
- Performing life-saving procedures
- Leading pre-hospital medical emergency response teams
- Cleaning, decontaminating and checking vehicles and equipment
Citizens rely on the swift response of paramedics in life or death situations. The duties they perform are essential to the communities they serve. Professional Indemnity Insurance protects paramedics from potentially disastrous financial loss by paying claims arising from professional mistakes, errors, omissions or allegations of professional negligence arising from the conduct of their professional activities.
Public Liability Insurance for Paramedics
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 Paramedics:
- Making wrong patient assessments
- Carelessness in transportation of patients
- Carelessness in management of records
- Negligence in organization and cleaning of vehicles and equipments
- Providing faulty first aid treatment
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.