Insurance for RCSLT Members - Royal College of Speech & Language Therapists - November 2020
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BUSINESS INSURANCE BROKER Royal College of Speech & Language Therapists Insurance for RCSLT Members November 2020 RCSLT insurance - full cover against third party actions and legal defence costs
Please ensure you
What to do in the event of an incident at notify the RCSLT as It is important that you let us know
soon as you hear of any that a complaint has been made about
work or a complaint about your work you or your work. Do not respond to
action or disciplinary
procedure being taken the HCPC without first reporting the
It is important to contact the right people as soon as possible. If you are unsure what to do, out against you matter to our legal expenses insurer,
contact the RCSLT for further advice. Markel (previously Abbey Legal)
Claims on the RCSLT insurance may be
turned down by the insurers because of
I have received a letter/ LATE NOTIFICATION. Reduce the risk of
I have heard that an action I have received a letter claim/writ/summons you being refused support following an
or a disciplinary procedure is from the Health & Care for actual or alleged incident at work by reporting it as soon
being taken out against me Professions Council as possible.
malpractice or public
liability or a notice of intent In the event of late notification or a
member attempting to deal with the
complaint issue by themselves, any
cover provided by Markel or Axis (the
insurers) may be prejudiced and not
Notify the RCSLT as soon as possible. Contact Premierline, the RCSLT’s Contact Premierline, the RCSLT’s activated.
Call: 0207 378 3012 insurance broker. Quote policy insurance broker. Quote policy It is therefore essential to contact
number: 11857407 and your RCSLT number: 3423630120MM and your RCSLT Premierline at the earliest opportunity.
membership number. membership number. They will answer
any questions you have about legal
● Louise Howard expenses, malpractice or public liability
Client Service Executive cover.
louise.howard@premierline.co.uk
Notifications and complaints
● Louise Howard
or call: 0330 102 6160 (option 1) You must let us know if you receive any
Client Service Executive letter, claim, writ or summons for actual
● Alex McLaggan
louise.howard@premierline.co.uk or call: or alleged malpractice or public liability
Account Director or any notice of intent or circumstance
0330 102 6160 (option 1)
alex.mclaggan@premierline.co.uk occurring which is likely to give rise to a
● Duncan Cramphorn
or call: 01483 403 720 claim.
Account Director
duncan.cramphorn@premierline.co.uk or It is better to be safe than sorry. If you
Obtain legal advice from Berrymans have any doubts and need clarification,
call: 07980 951043 please contact Louise or Alex at
Lace Mawer Solicitors.
Premierline, the RCSLT’s insurance
Contact: Mon-Fri, 09:00-17:00
broker. They will be able to answer
Call: 0207 638 2811 and ask for the
any questions you have about legal
Healthcare team
expenses, malpractice or public liability
cover.
3
2
What does the insurance cover?
This document only provides a summary. Amount of cover: What is not covered?
The full terms, conditions and exclusions £10,000,000 (from 01/09/18) for any one Any loss or claim:
of the insurers’ policy documents are claim, including costs and expenses with
available to members on the RCSLT ●● Covered more specifically by any
an excess of £250 each and every claim. medical defence organisation
website or on request from Premierline, The limit applies per member.
our insurance broker. ●● That was known about but not notified
This policy is underwritten on a “claims first to insurers prior to this policy
There are two separate policies providing made” basis. This means the policy in place
the cover, placed with different insurers. ●● Work undertaken in a role relating
at the date the claim is made will respond to the Office of the Public Guardian
to the claim, rather than when the date the
including, but not limited to, acting as
incident that gave rise to it occurred.
a General Visitor
Malpractice and public liability Cover enhancements include: ●● Arising out of the manufacture or
Insurer: AXIS Specialty Europe Limited SE ●● Territorial limits for UK-based members
supply or servicing of products
undertaking incidental overseas work. ●● Caused by any act in violation of law;
Legal liability for any bodily injury, mental injury, illness, disease or death of any patient caused
The policy has been extended to dishonest, criminal or fraudulent act or
by any negligent act, error or omission committed by an eligible RCSLT member in or about the
worldwide excluding North America activities performed whilst under the
conduct of their occupation.
●● Cover for a Limited Company is also influence of intoxicants or narcotics
Who is covered? who: included if all employees are members ●● Any claim arising out of a specific
Any member of the RCSLT domiciled in ●● Has paid their subscription and of the RCSLT. If any employees are liability assumed under contract which
Great Britain, Northern Ireland, the Isle of not RCSLT members then separate goes beyond the duty to use skill and
●● Is undertaking speech and language
Man, the Channel Islands, Gibraltar or the Malpractice and Public Liability care as is usual in the exercise of the
therapy work or has in the past and
insurance arrangements will be member’s activities. However, with
European Union, working in: ●● Has a speech and language qualification necessary prior agreement insurers may agree to
a) Great Britain, Northern Ireland, the Isle or is studying to obtain one
●● Defence costs in respect of Corporate include this in the cover
of Man, the Channel Islands or Gibraltar or: Manslaughter claims ●● For fines, penalties, punitive or
b) Sovereign-based territories treating ●● Is an assistant member, engaged ●● Cover for damage or distress claims exemplary damages
British Service Personnel in casework which is agreed and arising from an offence under Section ●● Arising from pollution
c) Incidental work abroad for a period supervised by a qualified speech and 13 of the Data Protection Act 1998 or
of no longer than twelve months. All language therapist (for actions post amending legislation
work in USA/Canada is excluded 01/01/2007)
or: In all instances, this policy does not provide
Employers Liability insurance and, again, If you think you may have
●● Is an observing student but only with separate insurance arrangements will be
parental written consent to make a claim against this
necessary if you have any employees. malpractice and public liability
or: insurance, please contact the
Please refer to the RCSLT website on details
●● Is a non-practising member (including of how you can purchase the relevant team at Premierline immediately
whilst on maternity leave, ill health, insurance from Premierline.
career change) or retired - for their
period of practice
4 5Legal expenses - fitness to practice representation
Insurer: Markel International Insurance Company Limited
What other work am I covered for? Legal expenses incurred in representing the RCSLT member through an HCPC Fitness to Practice
●● ASLTIP members - to be a member of investigation and/or hearing.
ASLTIP you also need to be a member
of the RCSLT. Therefore the College’s Who is covered? - Criminal defence
Malpractice and Public Liability A current member of the RCSLT registered - Tax protection
insurance policy covers you and with the HCPC. - Property disputes
separate insurance is not required - Data protection
●● Registered intermediaries - A Territorial limits - Personal injury
registered intermediary’s role is to The United Kingdom of Great Britain and - Coroner’s inquest representation
facilitate communication within a Northern Ireland. Disputes arising from - Court attendance
court setting and therefore falls within complaints to the regulator which arise from - Legal helpline: 0330 234 2286
the scope of practice of a speech and incidents occurring outside the territorial
language therapist and would be seen limits are included as covered. What is not covered?
as working in an extended role.
Registered intermediaries will be Brexit - there is no cover for any claim where ●● Claims arising from incidents prior to the
As long as you make sure that you are
covered under the RCSLT membership the regulatory risk location is within the date RCSLT membership commenced
practising safely and effectively within
policy as long as they are working your given scope of practice and do European Economic Area (EEA) excluding ●● Claims where the chance of success is
within their own scope of practice in not practise in the areas where you are the United Kingdom of Great Britain and below 50%
whatever role they are providing and not proficient to do so, this will not be a Northern Ireland.
●● Other civil liability claims
would be supported if referred to the problem. If you want to move outside
regulator within this extended role. Amount of cover: ●● Legal expenses for defence costs and
of your scope of practice, you should
appeals incurred without the prior
Non-registered intermediaries, similarly, be certain that you are capable of £250,000 (from 01/09/18) for any one claim.
working lawfully, safely and effectively. written consent of Markel International
would be covered within their role This policy is underwritten on a “claims first
This means that you need to exercise Insurance Company
as a speech and language therapist made” basis. This means the policy in place at
working with an extended role as well, personal judgement by undertaking any the date the claim is made will operate to deal ●● Fines or penalties
as long as they are working within their necessary training or gaining experience, with the claim, rather than when the date the ●● Any claim arising out of a deliberate act
own scope of practice. before moving into a new area of incident that gave rise to it occurred. by the member
practice.” HCPC 2014
The maximum cover that the RCSLT buys ●● Any claim arising out of breach of
Scope of practice defined by the HCPC: confidentiality, defamation or use of
in the aggregate in any one policy year is
“Your scope of practice is the area or areas ●● Expert witness - like registered £1,000,000 irrespective of the number of intellectual property
of your profession in which you have intermediary activity, working in an claims.
the knowledge, skills and experience to expert witness role falls within the Please note:
practise lawfully, safely and effectively, scope of practice of a speech and Cover enhancements include: Cover is personal to each member and is not
in a way that meets our standards and language therapist and would be seen
as working in an extended role. ●● Interim Orders cover transferable, for example, to a non-member if
does not pose any danger to the public or
●● Review Hearings if the original hearing working under the supervision of a member.
to yourself.
It is the responsibility of the RCSLT to confirm
was covered by the policy
membership. You will not be covered
●● Wide range of legal expenses policy unless the RCSLT is able to confirm your
benefits including: membership.
6 7Members are obliged to:
●● Maintain accurate and comprehensive records of all
professional services rendered including equipment used
●● Keep these records for a minimum period of seven years
●● Allow insurers access to records if required
●● Refrain from disclosing details of this policy
●● Refrain from admitting liability
Premierline Business Insurance Broker
Lancaster Business Park
4 Mannin Way
Lancaster
LA1 3SW
Telephone: 0330 102 6160
Email: rcslt@premierline.co.uk
www.premierline.co.uk
The Royal College of Speech and Language Therapists is an Introducer Appointed Representative of Allianz
Business Services Limited trading as Premierline Business Insurance Broker, an insurance intermediary
authorised and regulated by the Financial Conduct Authority (“FCA”). Details of Allianz Business Service’s
authorisation (registration number 304779) can be verified by visiting the Financial Services Register which
can be found on the website http://www.fca.org.uk/register or by contacting the FCA. The Royal College
of Speech and Language Therapists and Allianz Business Services Limited are not part of the same group.
PLBIB/0014/11/20You can also read
