|
Professional liability insurance is a critical form of protection for CPR trainers and health instructors. At any time and in any given situation, a dissatisfied individual can choose to bring a lawsuit against you. And when people sue, they usually name everyone they perceive as having had anything to do with the situation. This often includes both the instructor and the training center.
Regardless of whether negligence actually exits, it can take years for litigation to be dismissed. While you may ultimately be exonerated from liability, your attorney's fees can be staggering. Professional liability insurance helps relieve you from the financial burden of defending yourself in a malpractice lawsuit.
Just some of the professional liability exposures which exist for training centers and training center instructors are claims based on:
- Incorporation of non-state certified material
- Use of incorrect or unconventional training method
- Misplacement or misuse of instructional material resulting in bodily injury
- Allegations of physical or sexual misconduct
- Contract breach
- Incorporation of material for which you are unauthorized to teach
Training centers and training center instructors require professional liability insurance to protect their financial interests. In fact, every training center should either purchase their own group policy, or at the least, require proof of insurance from their instructors. There is serious professional liability exposure for training centers which:
- Use employees and/or contracted instructors
- Issue course completion cards
- Allow employees to conduct off-duty health and safety related courses using employer resources
|
