The assurance of professional liability in practice of the podiatry

Abstract

The assurance of civil professional responsibility is an obligatory requirement for the practice of the chiropody in the private sector, though it is very advisable to have it though only one is employed at the sanitary public assistance. It is an insurance product that covers the damages produced to patients due to the professional exercise, and also the juridical defense in this circumstance. Not all the assurances of civil professional responsibility that exists on the market are similar, there are important differences that can determine its adequacy to the activity. There exist a series of information that necessarily we have to know on our assurance of civil professional if it is collective or individual (the fact that it is contracted across a Professional College it does not imply necessarily that is collective), if we have more than one assurance covering the same activity, if our society in case of having it is assured, if our assurance covers all our professional activities, if the economic coverage is sufficient and if franchises exist, what will happen when we stop working as chiropodists, and, finally, making sure that should not exist periods without coverage. We have to know also the exclusions of the assurance, this is, those circumstances in which certain activities are not covered. Finally, we have to know what to do with regard to the assurance in case of legal claim or imminent risk that it happens.