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 If you are providing CPR training, first
aid instruction or any form of health education, you should
have your own professional liability insurance policy.
Through the ASHI-endorsed professional
liability insurance program, highly affordable “A+” rated
protection is available to individual instructors and training
centers interested in group policies. ASHI instructors and
training centers can enroll online in just minutes using an
enhanced Insurance Center Website located at: http://ashi.lockton-ins.com Why Individual Instructors and Training
Centers Need Professional Liability Coverage
While few instructors and training
centers like to think about the possible liability
ramifications of the work they do, there exists a very real
possibility that a dissatisfied individual will choose to file
a lawsuit against them. Just like with any other business or
professional service, at any time and in any given situation,
a dissatisfied individual can name you in a lawsuit. In
training, the liability typically comes in the form of general
liability, teaching liability, and/or administrative
negligence. 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 a professional lawsuit. This
coverage is a critical form of insurance protection, and is
part of the cost of doing business.
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
There is additional 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
Discover how affordable your own
professional liability insurance policy can be. A very small
investment will go a long way toward protecting your personal
and professional future. Receive a fast, free, online quote at
http://ashi.lockton-ins.com.
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