At Enhance Insurance we work closely with Membership Bodies & Associations to ensure you are not exposed as an entity or an individual board member, allowing your organisation to continue your vital work in developing compliant frameworks, providing support to practitioners and ensuring clinical excellence.
As a membership body or association, you are responsible for setting out corporate governance within your organisation. You set out frameworks to improve processes and procedures to help raise the standards of the industry and put patient safety at the forefront of what your members do.
Some Membership Bodies & Associations believe that because they have become an incorporated association, they cannot be sued.
This is not the case
Incorporation creates a legal entity that is separate from the individual members. Board members of unincorporated bodies can be sued as individuals against their own personal assets. If, for example, as a group of board members you have put together best practice guidelines for H&S or clinical compliance that you require members to follow, and as a result something happens to a patient e.g dies during a treatment, suffers an injury or a loss, it is possible for the individual board members to be sued as a result if negligence can be proven in addition to the member practitioner carrying out the treatment.
A board member who negligently gives wrong advice, asks someone to perform a dangerous task, or dismisses staff without proper authority or process exposes themselves to being sued.
Where such cases can be proven, the personal assets of negligent board / committee members can be seized to meet any damages. This is where our Directors and Officers Liability Insurance comes in.
Professional indemnity insurance covers individuals against claims for breach of “professional duty” arising out of any negligent act, error or omission committed or alleged to have been committed during the conduct of professional activities. This insurance is particularly relevant for organisations involved in providing services such as health care, or those providing advisory services.
Enhance Insurance work closely with Membership Bodies & Associations to identify their risks, help them mitigate the exposures they may face as an entity and put in place insurance coverage to provide full protection.
We can also work with you to put together a specific insurance package designed for your members. Talk to us to find out more.
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