No one seems to quite know whether they are getting a professional indemnity insurance policy or a medical mal-practice insurance policy when they are in a particular professional sector, such as if you were in the complementary therapist profession, which could be as wide ranging as a homeopath, aromatherapist, acupuncturist, beauty therapist, counsellor or hypnotherapist, if you wanted to buy your professional neglect protection would you search on Google under professional indemnity insurance or would you search under medical malpractice insurance? What you may ask is the difference? Fundamentally the ‘Policy’ provided under each title does the same i.e. it will defend an allegation where the professional is accused of professional neglect and should they subsequently be found guilty of professional neglect the policy should cover the policy holder for both legal costs and any damages awarded.
The problem comes where most professional indemnity insurance policies have a ‘Bodily Injury’ exclusion within the wordings whereas the medical malpractice policy does not. It is strange that even for leading professions such as midwives, first aiders and paramedics you can still often see the titles under insurance services linked to professional indemnity and not medical-mal practice insurance. So often trying to explain this to a client can be very confusing.
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