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Category Archives: Liability Insurance

Professional Liability Insurance For Counselors: Why Do They Need It?

What do you know about professional liability insurance? A lot of people think that professional liability insurance is just one and the same for all professionals. However, they fail to look into the concept that each professional may be exposed to a different kind of risk and that these risks will actually define what type of professional liability insurance one needs.

Much like the other insurance policies, the Professional Liability Insurance for Counselors, is there to basically protect the rights and professional practice of the counselor. Their job is not easy, and so are other jobs. Because they require a specific kind of protection, it is a must that they also look into a specific type of coverage that is made especially for them.

Counselors deal with various personalities. They help people find meaning in life and maybe even closure in the things that drive them emotionally crazy. Because people depend on them for professional advice on life, love and everything in between, their expertise is much needed to make sure that only the best for their client is achieved.

Because their business is mainly on engaging in people and their problems, the risk of them being sued by their client can be quite high. From petty complaints to huge personal injury problems, all of these can come from clients who used to trust counsellors for their expertise. Whether small or big, these complaints could ruin the reputation of the counselor and may even cause the counselor to lose everything he has got.

Because of this risk, it is highly important that they get themselves protected from all these trouble. It is not about having enough money to settle with these clients. More importantly, it is the idea that the counselor is able to save face amidst wrongful accusations. These professionals put their practice at risk each time they attempt to help their clients. Because of this, it is only a must that they get that protection they need.

Is buying professional liability insurance worth it? For someone who wants to continue serving people, it is indeed beneficial. It is like buying the security for their practice for a cheaper price.

Category Archives: Liability Insurance

Do Physical Therapists Need Professional Liability Insurance Coverage?

If you are a physical therapist, one of your main concerns is probably how you can go about preventing someone filing a lawsuit against you. The truth is that even the best physical therapist in the world can be sued for alleged malpractice. While being kind to your clients and ensuring that they are on the same page as you certainly helps in preventing such lawsuits, sometimes there’s just nothing you can do. Physical therapists have a duty of adhering to certain standard of care—but things can go awry, and proving that it’s not your fault is always tricky… and expensive.

So the answer is yes, physical therapists need to be covered under such a policy. More often than not, a patient who sues a therapist claims a case of “professional negligence”. While malpractice claims can be complicated, a patient who can prove that they have suffered an injury—or experienced a breach of the duty of care—while working with a physical therapist is the most dangerous. As a physical therapist, this is probably your worst nightmare, and for a reason. Without adequate insurance coverage, there is nothing that you can do. Worst even, all the fees associated with your defense—as well as the settlement—will have to be paid out of your own pocket.

And if they can’t, then the only viable option left for you is so go bankrupt.

This scenario is incredibly different if you are a therapist insured under a professional liability insurance policy. With this type of coverage, you can just relax and work with an attorney provided by your insurance policy to prove that you are not at fault. You don’t have to worry about the fees either: After paying your deductible, everything will be taken care of by the insurance company.

Those are two different scenarios, but they are two very realistic ones. In fact they are so realistic that they happen every single day to dozens of workers across the globe. And you know what the good news is? You have the power to decide which one you want to experience. So choose wisely.

Category Archives: Liability Insurance

How Can Physicians Prevent Malpractice Lawsuits?

As a physician, merely going to work each day entails a substantial amount of risk. After all, dealing with other people’s health is a heavy burden. Any advice that you give them could potentially harm them or worsen their condition. While we don’t doubt your level of expertise, even the best physician faces the possibility of a lawsuit on a daily basis. It does not even have to be your fault: If someone wants to sue you, there is nothing that you can do.

Fortunately, most mistake does not have to lead to a lawsuit. So without further ado, here is what you can do to prevent one:

  1. Be friendly with your patients. The more courteous and welcoming you are as a professional, the less people will be prone to suing you in the event that something goes wrong. You have to remember that your patients are humans and that strong bonds between physician and patient is the first step towards eluding a malpractice lawsuit.


  1. Educate your patients. Ensure that you are both on the same page. Educate your patients on the risks associated with any therapeutic procedure that you might wish to use on them, as well as the costs and benefits associated with them.


  1. Know your patients. Yes, you might be busy, but it’s not a reason to not know where your patient comes from. The more you know about a patient and his or her past medical history, the less likely to make a mistake you will be.


  1. Always follow-up. Following-up on your patients shows that you care and works towards strengthening the bond between patient and physician. Always ensure to keep the follow-ups documented so that you can access them at any time.


  1. Arm yourself with professional liability insurance coverage. If you can’t prevent a lawsuit, then being adequately covered under a professional liability insurance is your best bet. This type of policy protects you from financial loss associated with someone filing a lawsuit against you. As an example, someone might claim that you never warned them of a side effect associated with a certain drug, when in fact you did. Since this is difficult to prove otherwise, you might lose the case. If the patient decides to sue you (and you are uninsured), then the costs would have to be paid out of your own pocket. On the other hand, had you been insured, your insurance company would have taken care of it all for you.

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