Cover for civil liability claims arising from an act, error or omission in the provision of professional healthcare services
Claims cover provides protection if you fail to follow the accepted standards of care of your professional area of expertise, resulting in harm to your patient from medical negligence.
Despite your best efforts, even the most sophisticated systems can malfunction and cause patient injury, resulting in varying patient claims in malpractice cases.
Cover for legal representation costs incurred directly in connection with formal inquiries into the conduct of professional healthcare services
Vicarious liability for doctors (including locums), consultants, contractors, subcontractors and agents
Vicarious liability assigns liability for patient injury to you, if you have a legal relationship to the person who caused the injury. For example, if an employed staff member causes patient injury, you may be held legally liable and responsible.
Having vicarious liability cover means you’re protected for patient injury, even when it’s out of your control.
Cover for Good Samaritan Acts
Although there is no legal duty of care for medical professionals to act under law for emergent attention to a member of the general public, you do have an ethical duty to provide healthcare assistance and as a result, owe a standard of care to the person receiving such care.
Good Samaritan Acts coverage helps protect you when you provide care in emergency situations so you can focus entirely on the needs of the patient.
Cover for unintentional intellectual property infringement
If you’re working in research, insurance cover for unintentional intellectual property infringement is crucial.
The cover protects not only the owner of the intellectual property but also if you have unintentionally infringed upon intellectual property rights.
Cover for reasonable and necessary costs of replacing or restoring lost documents
Automatic cover for new subsidiaries acquired or created during the period of insurance (applies to medical establishments only)
Automatic run-off coverage
Run-off cover protects you from any future liabilities once you cease medical practice, either via retirement or otherwise. An example could be that you may have treated a patient prior to retirement but who then lodges a complaint after you have retired.
Advancement of defence costs and legal representation expenses
Sometimes the defence costs associated with a malpractice case can be substantial. Having access to legal representation costs means you're covered for associated expenses such as legal fees and won't need to be out-of-pocket.
