The Arachas IASLT Insurance Scheme has been developed specifically to meet the needs of the Irish Association of Speech and Language Therapists and to give you the peace of mind that can only be found in a robust package of insurance cover.
We have partnered with Arachas to establish an exclusive insurance scheme for you in collaboration with the Irish Association of Speech and Language Therapists (IASLT).
For further information please go to: Speech and Language Therapists Insurance
or direct queries in relation to Insurance to the Arachas Team on 01 2935344 or iaslt@arachas.ie
In order to support members we have worked with Arachas to provide answers in relation to some frequently asked questions in relation to insurance.
This insurance protects you from anyone suing you whereby they can prove you were negligent in some way, either for property damage and or bodily injury. You have a duty of care to your patients and to members of the Public. Public liability insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities. Public liability insurance covers the cost of compensation for personal injuries and or loss of or damage to property.
Medical Malpractice is a legal cause of action that occurs when a medical or health care professional, through a negligent act of omission, deviates from standards in their profession, thereby causing injury or death to a patient. The negligence can also arise for errors, misdiagnosis, treatment, aftercare or health management.
Professional liability helps protect professional advising, consulting, and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm. Professional liability insurance may take on different forms and names depending on the profession, especially medical and legal, and is sometimes required under contract by other businesses that are the beneficiaries of the advice or service.
Fitness to Practice cover is included within each individual private practice insurance cover.
When we say that someone is 'fit to practice' we mean that they have the appropriate skills, knowledge, character and health to practice their profession safely and effectively. However, fitness to practice is not just about a practitioner's clinical performance or health.
Fitness to Practice cover provides members with access to a 24/7 Legal Helpline and covers the legal cost of representing and advising members at Fitness to Practice hearings arising from complaints to CORU, the Irish Health & Social Care Professionals Regulator, in cases where there are reasonable prospects of avoiding or mitigating sanctions CORU might impose.
This policy will provide the means for practicing Members to defend allegations or complaints made to CORU concerning a Members’ fitness to practice.
Cover under the above is for your own Personal property and equipment that is used within your line of business – Cover under the policy is up to €1,500.
This is a form of insurance cover designed to help you in times of a crisis, when a difficult situation has not been dealt with effectively and has resulted in adverse publicity.
The cost or expense incurred by the Insured (and to which the Insurer has consented) in replacing and restoring Documents either owned by or the responsibility of the Insured in the conduct of the Insured’s Professional Business which are discovered lost or damaged and notified to the Insurer during the Policy Period.
You as a professional have a duty of care to your patients and also to members of the public, to cover yourself in all eventualities you must have in place your own insurance cover.
Our recommendation to you is that you have the following covers in place, that will cover you in all eventualities of a claim and they are as follows:
No cover is based on an annual basis.
Yes to avail of the covers and premiums you must be a member of IASLT.
Your insurance cover goes with you no matter where you go, however the cover only covers you, and if you have your own private clinic you must obtain a clinic policy to cover any Property Damage on your premises.
Yes cover goes with you no matter where you go.
Yes full cover for Medical Malpractice up to a limit of €6.5million.
Our recommendation is that you obtain a Fitness to Practice cover, that can be obtained on a stand alone basis.
Firstly the 2 employees must have their own individual insurance, if you have a clinic you must obtain a clinic policy and within the clinic policy cover to include contingency cover.
The intent of these policies are to protect the surgery/office in circumstances where the Therapists Med Mal insurance fails, but the patient has a right of recourse against the surgery/office. It will be a condition of the policy that all therapists carry their own Med Mal insurance and that the surgery check this, however if this insurance fails ( policy cancelled , no run – off purchased ) this policy would step in if need be to protect the surgery/office.
Once you are a member of IASLT and a registered with CORU, you can obtain your own individual policy.
No. Our recommendation is that you have “run off cover”, as the policy is on a claims made basis, and if a claim is brought against you after your policy has lapsed, you have no insurance in place.
To obtain this insurance policy you must be resident within the ROI, if you are travelling to another county you must seek an insurance policy of the country of origin that you will be residing in.
Fitness to Practice cover provides members with access to a 24/7 Legal Helpline and covers the legal cost of representing and advising members at Fitness to Practice hearings arising from complaints to CORU, the Irish Health & Social Care Professionals Regulator, in cases where there are reasonable prospects of avoiding or mitigating sanctions CORU might impose.
To contact the above services, phone ARAG on 0818 670 747 quoting policy number 7131615. To help ARAG check and improve their service standards, ARAG record all calls to the above helplines.
You could be held personally liable for any legal costings.
You must be a fully paid up member with the IASLT to avail of the insurance scheme. If your membership has lapsed you must advise Arachas immediately
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