Public Liability Insurance Policy of the International Physical Therapy Academy (IPTA)

Public Liability Insurance Policy of the International Physical Therapy Academy (IPTA)

1. Introduction: The Public Liability Insurance Policy of the International Physical Therapy Academy (IPTA) outlines the coverage and provisions related to public liability insurance. This policy aims to protect IPTA and its stakeholders from financial liability arising from third-party claims for bodily injury, property damage, or other related incidents that occur during IPTA's activities and services.

2. Coverage: IPTA maintains public liability insurance coverage to protect against claims made by third parties for:

A - Bodily Injury: Coverage for claims arising from bodily injury sustained by individuals who are not employees or authorized participants of IPTA's activities and services.

B - Property Damage: Coverage for claims related to accidental damage caused to third-party property during IPTA's activities and services.

C - Legal Expenses: Coverage for legal expenses incurred in defending against covered claims and for settlement costs, if applicable.

3. Exclusions: The public liability insurance policy may contain certain exclusions that are not covered under the insurance coverage. Some common exclusions may include:

A - Intentional Acts: Claims arising from intentional acts or deliberate misconduct are generally not covered.

B - Professional Liability: Claims related to professional negligence or errors in the provision of physical therapy services may be excluded and may require separate professional liability insurance coverage.

C - Contractual Obligations: Claims arising from contractual obligations or liabilities assumed by IPTA through agreements or contracts may be excluded.

5. Reporting and Claims Process: In the event of an incident or claim that may fall under the public liability insurance coverage, IPTA follows the following procedures:

A - Incident Reporting: IPTA requires all incidents or potential claims to be promptly reported to the designated contact person or department responsible for managing insurance matters.

B- Documentation and Information: IPTA collects all relevant documentation, information, and evidence related to the incident or claim to support the insurance claim process.

C - Claim Submission: IPTA submits the insurance claim to the insurance provider in accordance with the terms and conditions specified in the policy.

D - Cooperation: IPTA cooperates fully with the insurance provider throughout the claims process, providing any additional information or assistance required.