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January 2007
Dear SPEECH THERAPISTS & AUDIOLOGISTS
We are pleased to advise that we have negotiated with underwriters to include both products
liability and public liability in your cover as from the renewal of your policy in 2007.
| Type of cover | Limit of indemnity |
Per claim deductible of |
| Public Liability | R 1 000 000.00 | R 5 000 |
| Products Liability | R 1 000 000.00 | R 10 000 |
Public liability:
Public Liability insurance indemnifies you for costs which you are legally liable to pay to a claimant
due to bodily injury or damage to property happening in the course and scope of your practice. This
cover excludes liability which should properly be covered under any other type of insurance, for example;
car insurance, medical malpractice insurance or any liability which falls within the scope of mandatory
legislated cover e.g. Workmen’s Compensation.
Examples of typical public liability type claims:
- Practice Premises; a patient slips and falls on your premises due to the floor being wet, a handrail
being loose on the steps, etc.
- Away from Practice; you negligently damage an expensive piece of equipment at a hospital.
Products liability:
There may be instances when you are sued due to harm caused to a patient by a product which you either
use in your practice e.g. Botox or which you make and/or sell e.g. special creams. Products liability cover
will indemnify you for your legal defence costs and any awards made against you in such cases.
Please due not hesitate to contact us if you require any further clarification about these 2 additional covers.
Kind regards,
CAROL-LEE AXFORD
GLENRAND MIB PROFESSIONAL SERVICES
TEL NO: 011 – 329 1913/49
FAX NO: 011 – 329 1921/69
claxford@glenrandmib.co.za
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