Acupuncturists are alternative health care providers who use procedures that originated in China more than two thousand years ago. Many people visit acupuncturists for the treatment of headache pain, asthma, or arthritis. Acupuncture may also be useful to treat conditions such as addiction, stroke rehabilitation, menstrual cramps, tennis elbow, lower-back pain, and carpal tunnel syndrome.
Why do Acupuncturists need Professional Indemnity Insurance?
Acupuncturists conduct one-on-one consultations with their patients, using their skills and knowledge to treat a wide range of health problems.
Basic Tasks of Acupuncturists typically involve:
- Making a diagnosis and devising a personalized treatment plan
- Taking a detailed case history, which typically involves questioning patients about their condition, all aspects of their physical and emotional health and history, lifestyle and diet as well as sometimes taking their blood pressure
- Treating patients by inserting fine needles into the skin at particular locations to stimulate the energy flow along meridians (energy channels) and the body own healing response
- Incorporating other treatments, burning herbs to warm insertion points), electro-acupuncture (stimulating insertion points with small electric currents), acupressure (to loosen and relax muscles)
- Assessing patient progress through questioning and examination as well as reviewing treatment plans if necessary
Any mistakes or negligence on the behalf of the Acupuncturists can cause huge lose and damage to the patient, which can in turn lead to a claim against them. Professional indemnity Insurance and Public Liability Insurance is recommended for all practicing Acupuncturists, to protect them from mistakes made that cause financial loss to a third party.
Public Liability Insurance for Acupuncturists
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 Acupuncturists:
- Negligence in diagnoses
- Prescribing wrong treatment plan
- Recognizes wrong acupuncture points in patients body
- Failure in providing timely 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.