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The major changes in social attitudes that took place after the Second World War and the educational philosophy 'the child is right' must have had considerable responsibility for the development of an unwillingness by many to accept personal responsibility for any mistake or misfortune.
The rapid acceptance of alternative and complementary medicine by the general public and its increasing acceptance as a legitimate health care by the medical profession are rapidly blurring the hitherto clear separation between the orthodox and complementary systems.
Payment of legal costs and expenses are an essential part of the insurance and should be payable additional to any indemnity provision. Today most therapists protect their livelihood by insurance and for many a treatment risks policy remains a popular and appropriate choice as either an individual policy or within an Association group scheme policy. Practitioner insurance is often referred to as 'professional liability insurance', which is perhaps the most misunderstood phrase in a therapist's vocabulary. The increasing popularity of life training skills, neuro-linguistic programming (NLP), personal development training, stress control management, personal enrichment programmes and counselling are causing a re-assessment of insurance needs. It may not be immediately evident in which format an individual policy is written but for practitioners it is important that they know.
It is not uncommon for therapy claims to arise months or even years after a particular treatment was given. Practitioners holding policies with 'claims made' wording need to buy 'run off' insurance to protect any periods that their practitioners cover is allowed to lapse. Practitioners, many of whom have previously undertaken lectures and demonstrations as part of their work, are now turning to teaching their therapy skills to others on a part-time basis. Teaching usually requires that several untrained persons practise treatments on each other or on other third persons whilst being supervised by a single trained practitioner. Individual policies can easily be tailored to include any teaching cover required although possession of an acceptable teaching qualification will be required in addition to therapy qualifications. Insurers will usually provide quotations for additional teaching insurance, but individual applications need to be made. Practitioner insurance is often defined as that available to those who are qualified therapists working within the limits of their training, knowledge and experience. Students will usually (but not always) be protected by a policy held by the college or tutor, which protects them 'whilst working under the direct supervision of a qualified tutor'.
This begs the question as to the position of the student and practitioner student undertaking work experience or independent work compiling case studies, which have become a requirement of most vocational training. Notwithstanding the above, student insurance cover can be obtained under a number of group insurance schemes. John Cragg, BSc C.Biol, is a retired teacher who specialized in human anatomy and physiology. Any opinions expressed in the above article are solely those of the author, who can be reached on Tel: 01777 707185. Specializes in Osteopathic Manipulative Medicine, Sports Medicine, Orthopedic Trauma (2 ratings)1350 Locust Street; Suite 220, UPMC Mercy Professional BuildingPittsburgh, PA(412) 687-3900Dr. Specializes in Family Medicine, Osteopathic Manipulative Medicine (1 rating)815 Freeport RoadPittsburgh, PA(412) 784-4227; (412) 767-4751Dr.
Specializes in Family Medicine, Geriatrics (Elderly Care), Osteopathic Manipulative Medicine (4 ratings)521 Greenfield AvenuePittsburgh, PA(412) 422-6500Dr. Specializes in Chiropractic, Family Medicine, Internal Medicine (Adult Medicine)330 East 8th AvenueHomestead, PA(412) 462-6001Dr.
Chiropractic Spinal Adjustment (8)12-lead (standard) EKG, tracing and interpretation (1)Immunization (1)More for conditions, procedures, etc. Specializes in Family Medicine, Complementary and Alternative Medicine (1 rating)6585 Clark Road; Suite 240Paradise, CA(530) 877-0762Dr.
Specializes in Osteopathic Manipulative Medicine, Sports Medicine, Orthopedic Trauma (2 ratings)1907 Lebanon Church RoadWest Mifflin, PA(412) 687-3900Dr.
Specializes in Complementary and Alternative Medicine, Family Medicine, Nutrition, Preventive Medicine (1 rating)850 Boyce Road; Suite 2Bridgeville, PADr.


No PhotoSpecializes in Chiropractic (2 ratings)4146 Library Roadcastle shannon, PA(412) 343-6310Dr.
Specializes in Chiropractic (3 ratings)300 Weyman Road; Suite 270Pittsburgh, PA(412) 881-7060Dr. No PhotoSpecializes in Chiropractic1314 Memorial Drive; Suite AManitowoc, WI(920) 652-9887Dr. No PhotoSpecializes in Emergency Medicine, General Practice, Complementary and Alternative Medicine1805 Medical Center DriveSan Bernadino, CADr.
Specializes in Internal Medicine (Adult Medicine), Allergy & Immunology, Cardiology (Heart Disease), Complementary and Alternative Medicine, Critical Care (Intensive Care Medicine), Dermatology (Skin Disorders), Emergency Medicine, Endocrinology, Diabetes & Metabolism, Family Medicine, Gastroenterology (Digestive System), Hematology (Blood Disorders), Infectious Disease, Nephrology (Kidney Disease), Neurology (Brain & Spinal Cord Disease), Oncology (Cancer Care), Pain Medicine, Psychiatry, Public Health & General Preventive Medicine, Pulmonology (Lung & Respiratory Disease), Rheumatology (Arthritis & Autoimmune Diseases) (1 rating)9961 Sierra AvenueFontana, CA(909) 427-3910Dr. Such apparent widely held attitudes produce an ideal condition for the growth of the so-called 'compensation culture' which is having repercussions across the whole of the personal insurance industry.
The medical doctor has a duty of care that encompasses all personal and professional ethics including confidentiality, honesty and trust and providing the best care possible. However time does not stand still and for increasing numbers of therapists a policy with a true professional indemnity wording may be the better choice.
Practitioners tend to assume they already have professional liability cover or if they are seeking insurance are likely to request it. Therapists working in these areas are more reliant on a detailed knowledge of the individual client and the practitioner is more dependent on the trust of the client than is the case with most treatment-based therapies.
Professionals have a duty of care towards every client, and the clients, who have to rely on the professional advice and opinion of their chosen expert, have the right to expect complete confidentiality in all their dealings.
One claim we received was submitted almost four years after the treatment had been given and the practitioner had long since retired. They have also excluded workshops and other formal teaching activities from standard practitioner cover. For those insured under group scheme, applications would need to be made through the association administering the scheme.
Any person that is engaged in connection with a work experience or training scheme is deemed an employee of the business and should therefore be registered under the compulsory employers liability insurance policy. They now form a requirement of most training syllabuses and may be an easy way of enabling a student to obtain additional practical practice before qualifying.
They seek to provide adequate and appropriate insurance for all participants, but inevitably the resulting policy is something of a compromise. For twelve years he was co-owner of a leading private beauty therapy college which led to a general interest in a range of therapies and to the formation of Independent Professional Therapists International, a multi-disciplinary Association for alternative and complementary practitioners which currently provides insurance for 3,500 members. Mitchell Rothenberg works as an orthopedic trauma specialist, osteopathic manipulative medicine specialist, and sports medicine specialist in Pittsburgh, PA and West Mifflin, PA.
Jennifer Fierle's medical specialty is family medicine and osteopathic manipulative medicine. Jeffrey Lineman is a family medicine practitioner and osteopathic manipulative medicine specialist in Natrona Heights, PA, Pittsburgh, PA, and Cheswick, PA.
Gary Goldberg is a specialist in physiatry (physical medicine & rehabilitation), neurophysiology, and osteopathic manipulative medicine. Bernard Bernacki works as a family practice physician, geriatrician, and osteopathic manipulative medicine specialist. Betty Liu is a specialist in physiatry (physical medicine & rehabilitation) and acupuncture. Christopher Carr specializes in chiropractic and practices in Pittsburgh, PA and McMurray, PA.
Joseph Lee is a Paradise, CA physician who specializes in family medicine and complementary and alternative medicine. Su Fairchild is a family medicine physician, public health physician, and alternative medicine practitioner.
Dee L'archeveque is a general practitioner, alternative medicine practitioner, and emergency medicine specialist. Hollis Lee works as an endocrinologist, pain specialist, and family practice physician in Fontana, CA.


Using his skills and training the alternative or complementary practitioner should offer no less. Therapists, if they were insured – and many were not – were likely to be protected by a 'treatment risks' policy. In reality it is a treatment risks policy wording that they are most likely to have or to receive.
No practitioner will set out to abuse a client's trust, but a single unintentional lapse, one unguarded comment, can profoundly damage a client's character and integrity and consequently result in an action for damages citing breech of confidentiality and possibly slander or other allegations. In our own Independent Professional Therapists International (IPTI) scheme, insured members can apply to have their existing insurance cover extended to cover practical work that is an integral part of additional therapy training.
Individual practitioners need to be sure that their individual insurance requirements are included. I did an online course in acupressure resulting in an ASET 4 qualification with distinction. Her medical specialties are acupuncture, rheumatology (arthritis & autoimmune diseases), and geriatrics (elderly care). After completing medical school at Philadelphia College of Osteopathic Medicine, she performed her residency at the University of Pittsburgh Medical Center (UPMC). His medical specialties are interventional pain medicine, spinal cord injury medicine, and osteopathic manipulative medicine. In these policies the inclusion of clauses giving protection for giving wrong advice or information is most likely to be linked only to treatments that the therapist is providing.
The possibility of ruin for the therapist is clear if he has no appropriate insurance in place.
There are many reasons for practitioners' insurance being allowed to lapse, the most common being for maternity reasons and taking time out to undertake further training or to travel. There have been several instances of retired practitioners being left in considerable debt as a result of a claim being made against them during a period in which they were not working and were uninsured. Students undertaking their first therapy training can obtain insurance for independent practical work that is part of the syllabus requirement. They may need to ask for a copy of the full policy wording if, as sometimes appears to be the case, only a summary of the insurance provisions is sent to the participating group members.
The problem is insurance, as they were no acupressure courses anywhere nearer than Glasgow or Edinburgh and I cannot afford to travel to these places, how is someone like me supposed to get insurance to be able to set up a business?
Before completing her residency at a hospital affiliated with the University of California, San Diego (UCSD), Dr.
It is reassuring for therapists to know that should any 'late' claims arise they will be honoured.
In both cases, however, the course needs to lead to an approved qualification and the students' participation has to be registered and is monitored in a bid to avoid irresponsible incidents such as have been mentioned. Rothenberg completed a residency program at a hospital affiliated with the University of Maryland. Descalzi graduated from the University of Southern California (USC), Keck School of Medicine.
They need to remember, however, that the settlement of a claim, including the level of indemnity, will be governed by the terms of the insurance which were applicable at the time the events causing the claim actually took place. Her training includes a residency program at a hospital affiliated with New York University (NYU).
He is in-network for several insurance carriers, including Health Net, Medi-Cal, and Medicaid.



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