What are the insurance benefits of membership?

Insurance benefits include professional indemnity, professional liability and product liability insurance up to a limit of £5 million for any one claim. This covers you for claims first made in the UK or the EU. Professional indemnity covers any error, omissions or negligence.
 
As part of your BAOT membership you are covered by liability insurance that covers a variety of risks in respect of occupational therapy work. This will cover members except for private practice work where the total earnings in respect of gross fees are in excess of £1,500 in any one year. If you are self employed and earn more than this it is advisable to effect further insurance and the association has contacts who are able to assist in this matter.
 
The BAOT policy is a 'claims made' policy. This means that the policy applies to claims made during the period of insurance. Therefore, provided that you make your claim whilst you are a BAOT member and thus insured, it does not matter when the actual incident or act or negligence took place. However, it is essential to notify the insurers via Aon Ltd of any potential claim or circumstances that might give rise to a claim as soon as you are aware of them. If you have any doubt as to whether or not an incident should be reported, you can ring the AON Help-line and discuss the matter with an insurance expert.
 

Download Insurance Summary 2011