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Promotion Are You Covered?


A friend comes to you for treatment or therapy and accidentally trips up on your rug or step and loses her two front teeth. She’s a friend and says it’s OK and you believe her until some weeks later you re- ceive a bill from her lawyer for her dental work plus loss of earnings of Euros 5,000. Public Liability In- surance would cover you in the event of a personal injury claim during the course of normal business.


If


members of the public visit your home or business, you should seriously consider taking out this insur- ance cover for your own protection. [If you share a managed building, the landlord should cover the insurance for the common parts and toilets only so you should still insure your own workspace.


What if a client makes an allegation against you that you inappropriately touched her during a treatment or that you violated your codes of conduct? Could you afford to defend yourself? If you have Profes- sional Indemnity/Malpractice insurance you would be protected against allegations of negligence and also provided with cover for the legal costs involved in defending you, regardless of the validity of the claim.


Appropriate insurance is usually a mandatory require- ment from most professional associations/organisa- tions anyway. Never believe it won’t ever happen to you. Litigation cases are big business these days and all it takes is for one successful claim to be made be- fore the floodgates open.


Most insurance companies will offer a blanket cover that includes above plus equipment etc. Remember to check all the therapies you are using are included and what restrictions there may be.


Discounted Insurance: If you’re a member of AAMET International (www.aamet.org) you can benefit from the discounted policy cover with Balens Insurance Co (http://www.balens.co.uk) who have been running the family business for over 60 years. If you reside in Malta, Cyprus, Greece, Spain, Republic of Ireland, UK or the Netherlands then please email them on eu- rope@balens.co.uk. Balens are also working on pan- European schemes for all professionals. In order to qualify for the insurance discount, you will need to be a student or practicing in EFT with AAMET. If you are not an EFT Practitioner, Balens will be able to provide a competetive quote for you if you write to europe@ balens.co.uk


38 AAMET LIFE JANUARY 2013 www.aamet.org


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