Rehabilitation Consultants counsel individuals dealing with personal, social, and community difficulties that result from birth defects, illness, disease, accidents, or the stress of daily life.
Why do Rehabilitation Consultants need professional indemnity insurance?
A Rehabilitation Consultants:
- Provides counseling and guidance to clients
- Analyzes and interprets the pertinent educational, social, medical, psychological state of a client
- Determines the client's eligibility and need for rehabilitation services
- Develops a diagnostic plan for each client in order to identify the type and extent of their handicap or disability in order to facilitate plans and arrangements for special medical treatments and services;
- Develops comprehensive individual rehabilitation plans for clients;
- Maintains records and prepares reports and correspondence related to the work.
A Rehabilitation Consultants needs to be careful when dealing with clients' personal, social and community problems and assisting in their rehabilitation. Without Professional Indemnity Insurance a Rehabilitation Consultant may be liable for a compensation payment for the financial loss the clients can claim to have suffered, and any legal costs associated with defending an action.
Public Liability Insurance for Rehabilitation Consultants
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 Rehabilitation Consultants:
- Negligence in counseling client
- Incorrect advice provided to clients in relation to their rehabilitation
- Negligence in working with the community in establishing facilities and programs to assist the Handicapped and disabled.
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.