If you are or have a Certified Pedorthist on staff you need to be sure to check your insurance policy for pedorthic liability coverage. If your policy is not specifically endorsed to include this exposure it is not covered. Most policies EXCLUDE any kind of professional liability exposure. With the certification there are certain expectations about your skills and professionalism and you can be sued if someone claims they were injured because of a shoe or insert you provided them.
Example: A diabetic gets a sore after wearing new shoes or an insert you provided them. They subsequently lose a toe or worse. If you do not have the correct insurance coverage you will have no help with defense costs if sued and no help with claim costs if you are found liable. Defense costs alone can be very expensive. If you have the correct coverage, your insurance policy will defend you and pay if you are found liable.
You can read your policy to look for such coverage or lack thereof. Look under the general liability section under exclusions to see if professional services are excluded. If you need help reviewing your policy or need this coverage at an affordable price, contact Kristy Longfellow-Hodik at Hobson Insurance. 800-296-7985 or kristy@businessquote.com
