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Insurance

The Institute of Podiatrists are proud to offer our members a comprehensive, market leading support and insurance package, including advice from our unique Medicines and Procedures Panel (MaPP)

  1. Insurance and policy details

  2. Medicines and Procedures Panel (MaPP)
     
  3. Guidance and support from our Ethics committee

Insurance for members of the Institute of Podiatrists (UK)

As a valued member of the IoP, we are delighted to offer access to a bespoke insurance policy, exclusively available to members. This explains in summary what is included in your policy, how it differs from other insurance products available and why it is so vital to a practicing Podiatrist / Chiropodist to ensure you have the right insurance in place. Our dedicated insurance provides you with direct access to claim specialists experienced in dealing with medical insurance claims. Should there ever be the need to use them you will be supported throughout, with a dedicated claims handler and expert advice.  

What does my policy include?

Public Liability Insurance: This type of insurance would cover you if a patient or member of the public was to suffer a loss or injury and they made a claim for compensation against you. This could be a slip or trip in your premises resulting in injury or damage to their property. Public Liability cover is included as standard with an indemnity limit of £5,000,000.

Legal Expenses Insurance: This type of insurance would cover you for any legal costs incurred during the defence of a claim. For example, it would help cover the appointment of solicitors, barristers and expert witnesses. Also included is access to a dedicated legal advice helpline, which can help you deal with disputes with suppliers, tax enquiries or problems with employees. Legal Expenses is included as standard with an indemnity limit of £100,000.

Medical Malpractice Insurance: This type of insurance would cover you in the event of any potential negligence committed by you resulting in harm to a patient. Medical malpractice insurance covers you for such things as court costs, settlements and the award of damages. Medical Malpractice cover is included as standard with an indemnity limit of £5,000,000.

Without Medical Malpractice cover, you could be held personally liable for any of these costs. Alternative insurance policies rarely include Medical Malpractice cover as standard, making the policy available to IoP members so valuable.

Run Off Insurance Cover: provides ongoing protection for members who have ceased trading, retired, or no longer require full professional indemnity insurance but may still be exposed to claims arising from work completed in previous years. As claims can still be made after a service/treatment has been provided, Run Off Cover ensures that members remain protected against eligible claims relating to past professional activities during the period of cover. To support members transitioning into retirement or winding down their practice, premiums are reduced annually based on the member's expiring renewal premium. Members can therefore benefit from continued insurance coverage at a progressively reduced cost throughout the run off period. Full membership is not required during this time and is provided post-practice as a benefit from your time with The Institute of Podiatrists.

What cover options are available?

Option One


Includes: Foot Health Practitioner – including the treatment of cutting fingernails for patients who are unable to do this for themselves.  Also includes cover for Aromatherapy and/or Reflexology (below the knee only) and/or Manicures and/or Pedicures.

Option Two


Includes: Chiropody / Podiatry, – including the treatment of cutting fingernails for patients who are unable to do this for themselves. Also includes cover for Complementary Treatments (including Aromatherapy and/or Reflexology and/or Acupuncture [below the knee only]) and/or Manicures and/or Pedicures and/or Cryotherapy.

Option Three:

Includes: Chiropody / Podiatry, – including the treatment of cutting fingernails for patients who are unable to do this for themselves. Also includes cover for Complementary Treatments (including Aromatherapy and/or Reflexology and/or Acupuncture [below the knee only] and/or homeopathy/herbal remedies [lower limb only]) and/or Manicures and/or Pedicures and/or Cryotherapy and/or Laser Therapy.

Option Four:

Includes: Chiropody / Podiatry, – including the treatment of cutting fingernails for patients who are unable to do this for themselves. Also includes cover for Complementary Treatments (including Aromatherapy and/or Reflexology and/or Acupuncture [up to and including the knee]) and/or homeopathy/herbal remedies [lower limb only]) and/or Manicures and/or Pedicures and/or Cryotherapy and/or Laser Therapy.  Option Four includes cover for Local Anaesthesia by injection and/or Invasive Surgical Procedures and/or Prolotherapy and/or Vesalius Bladion Molecular Resonance Generator Surgery Devices and/or Prescription Only Medicines and/or Antibiotic Administration and/or Injection Therapy (including Prescription Only Medicines) and/or Point of Care Ultrasound and/or Cryoanalgesia Treatment and/or Dermal Filler Injections and/or Joint Mobilisation Techniques (up to and including the knee joint).

Option Five:

For those practicing as above option 4 and more – exclusive packaged tailored specifically to your requirements, please enquire

Optional Insurance

In addition the insurance policy available exclusively to members of the Institute of Podiatrists, other insurance covers and options are available. These include:

  • Increased limits of indemnity for Public Liability & Medical Malpractice
  • Cover for additional treatments not listed (subject to acceptance and proof of certification)
  • Surgery Insurance to include cover for buildings, contents, deterioration of drugs and vaccines, business interruption and Employers Liability

For further details please contact head office.

NOTE: When obtaining a quotation for insurance, or requesting cover under an existing policy, you are required to make a fair presentation of the risk to insurers which discloses every material circumstance which you know or ought to know relating to the risk to be insured. A circumstance is material if it would influence the judgment of a prudent insurer in determining whether to provide insurance for the risk and, if so, on what terms. Disclosure must be reasonably clear and accessible to a prudent insurer and made in good faith. The aforementioned duty of disclosure is the applicable duty under the laws of England and Wales.

Insurance for members of The Institute of Podiatrists – (Republic of Ireland)

€5,000,000 limit of indemnity for Medical Malpractice & Public Liability;

Option (A) equivalent to our option one band for the UK

Option (B) – Cover as above to include in addition;

  • Partial nail avulsion and partial phenolisation nail surgery, including local anaesthesia for these procedures
  • Laser Therapy
  • Acupuncture below the knee

Option (C) – Cover as above plus the inclusion of

  • Limited Surgical Procedures (subject to full details and confirmation that the procedures are within scope of practice)
  • Prolotherapy
  • Administration of Prescription only Medicines and/or Antibiotic Administration
  • Diagnostic Ultrasound (subject to specific information on any practice undertaken)
  • Dermal Filler Injections

Key Points;

  • Treatments practiced must be in line with an individual’s scope of practice and level of certification/qualification.
  • Subject to membership of the Institute of Podiatrists.
  • Terms are subject to the claims history of any particular individual and cover options and/or prices may change as a result of this and any information you are asked to disclose.
  • Under regulation, Financial Service institutions in the UK following Brexit must handle overseas customers in EU territories in a separate legal entity registered within the EU. Gallagher has that and any member operating in Ireland will transact with a Gallagher trading entity called Nordic Försäkring & Riskhantering AB.