Tax relief and insurance for BAOT members
Information on tax relief and professional indemnity, professional liability and product liability insurance for BAOT members
You can apply for tax relief on up to 75% of your BAOT subscription on your highest marginal rate of tax.
Download the Tax Relief Letter
Insurance benefits include professional indemnity, professional liability and product liability insurance up to a limit of £5 million for any one claim
This covers you for claims first made in the UK or the EU. Professional indemnity covers any error, omissions or negligence.
As part of your BAOT membership you are covered by liability insurance that covers a variety of risks in respect of occupational therapy work. This will cover members except for private practice work where the total earnings in respect of gross fees are in excess of £1,500 in any one year. If you are self employed and earn more than this it is advisable to effect further insurance and the association has contacts who are able to assist in this matter.
The BAOT policy is a 'claims made' policy. This means that the policy applies to claims made during the period of insurance. Therefore, provided that you make your claim whilst you are a BAOT member and thus insured, it does not matter when the actual incident or act or negligence took place. However, it is essential to notify the insurers via Aon Ltd of any potential claim or circumstances that might give rise to a claim as soon as you are aware of them. If you have any doubt as to whether or not an incident should be reported, you can ring the AON Help-line and discuss the matter with an insurance expert.
The BAOT policy has been renewed for the membership year 2010/11. As previously, the underwriters require some special conditions and exclusions to the policy, which you should be aware of. These support good practice in the areas of preventing cross infection, record keeping, structural survey work and software management. A brief summary is set out in the 'summary of liability insurance.'
Download BAOT Malpractice and Public Liability Insurance Summary (October 2012 - September 2013)
If you have any enquiries regarding the insurance then please call the Aon helpline on 0116 280 7363.