Insurance is there to protect our businesses.
We all hope we never have to claim but what if we do?
One of the most important requirements of your any policy is to notify the insurance company of any allegation of negligence, or any incident from which a future claim may arise.
Here are 5 steps to guide you on what to do in the event of a claim.
- Refrain from resorting to social media for any correspondence. Don’t get into tit-for-tat discussions or arguments. Be professional and let the insurance deal with it.
- Notify insurers as soon as you receive an expression of dissatisfaction.
- Gather all files, photographs, correspondence and send to insurers.
- Avoid further correspondence with the claimant without first referring to insurers for guidance.
- If a formal claim is progressed, insurers will appoint a legal representative to liaise with the opposition solicitors on your behalf. Alternatively, insurers will advise on the best way to resolve matters with the claimant/patient.
Sadly, there are people on the look out for a chance to make money from practitioners. Follow your policies & procedures at all times with regards to before and after photographs, record keeping and correspondence. It may be tiresome but in the long run it could save you a great deal of trouble.