Re: Liability Insurance for lab cont. ed.

[Guest guest]

>I have a question regarding liability insurance for continuing education

>courses that involve significant lab time. I am not sure if this is the right

>forum to ask this question, but I will give it a go.

>

>I will soon be giving a hands-on lab course on PNF out of state. As with any

>lab course there is a chance that I could injure a person while I was

>demonstrating a technique or that a student could be injured while practicing.

>I have heard of multiple instances where well known instructors have injured

>participants, and also where students have injured themselves or other

>students. I say this only to clarify that there are risks in giving a lab

>based course.

>

>My question then is how is liability insurance covered for these lab classes?

>Since I am working out-of-state I am not under my own practice act.

>Therefore, my understanding is, is that my own liability insurance may not

>cover me. Do the lab courses have to purchase separate liability insurance?

>

>Thanks,

>

> Hansen, PT, PhD

>FircrestPT@...

>

Dear ,

I think you need to check with your insurance carrier as to whether

you would be covered or not. You may not be working under your state's

practice act, but the state in which you are presenting may allow you an

exemption under their own practice act. NY's practice act, for example,

specifically permits PT's licensed in other states to conduct " a teaching

clinical demonstration, " under most circumstances. I would suspect that

other states have such exemptions as well. So while you may not be covered

under your own practice act, you may be covered under theirs. Perhaps your

contacts at the course site could find this out for you.

But the key is to check with your insurance carrier and find out

what your specific policy will cover.

Hope this helps.

Laurie Walsh, PT, Esq

Daemen College

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[Guest guest]

,

When I participated in the eight week NDT certification course, all course

participants were required to purchase liability insurance for that period of

time because we were not covered by our facility's or the hosting facility's

insurance. The carrier provided a special policy designed specifically for

the course participants at a group rate.

Lundy, MS,PT, PCS

Ponte Vedra, Florida (TPC:-)

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