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Date: | Thu, 12 Jan 2012 11:15:15 +0000 |
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Liz
Sending red-faced apologies about your computer screen, but grateful
for the uniquivocal message about insurance. The main point of my
query was that I don't want to know about the costs of doing business
- I want to volunteer - and the cost of insurance in UK, never mind
that we may be a somewhat less litigious society, is way higher than
yours. Nevertheless your guidance is clear. Thanks.
Pamela Morrison IBCLC
Rustington, England
At 22:11 10/01/2012, Elizabeth Brooks wrote:
>Pamela, I have just finished cleaning up the coffee spew from my
>computer screen so I can respond. My heart has stopped racing ....
>
>YES YES no doubt about it YES you need professional liability
>insurance if you are working -- even in a volunteer capacity -- as an IBCLC.
>
>I am more familiar with the USA system; I know you are in the
>UK. Volunteer (or pro bono) consultations do NOT absolve one from
>all of the professional, legal and ethical responsibilities when
>seeing a mother as an IBCLC. The professional liability (or
>malpractice) insurance is back up for your clinical work -- not
>your checkbook.
>
>In the USA -- lawsuit crazy USA -- an IBCLC can get a year's worth
>of liability insurance for about $109. That is nothing! Where I
>live, I get more than that for ONE in-home consultation.
>
>This is a cost of doing business! You have to spend money to stay
>certified ... you have to spend money to buy office materials and
>create charts and travel to a mother's home (or) keep an office open
>... you have to spend money to wash the clothes that the baby spit
>up on during the consult.. Insurance is simply a part of what it
>costs to do what we do.
>
>Obviously I respond through my Lawyer Lens ... but the peace of mind
>that proper insurance provides a healthcare provider is worth much
>more than we pay out. Even baseless, ridiculous lawsuits must be
>answered. All it takes is one cranky, misguided lawsuit to ruin you
>financially (not to say psychologically) ... even if you are
>ultimately absolved of any wrong-doing. The insurance pays for ALL
>that very costly legal representation!
>
>--
>Liz Brooks JD IBCLC FILCA
>Wyndmoor, PA, USA
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