Are you a small health care business? Every small business entity understands that risk exposure is part and parcel to putting up shop, but those in the health care fields know it on a larger scale. Lawsuits in regard to professional liability and general or what otherwise is known as property liability are but one of the hazards to understand and acquire tailored protection from.
Other forms of coverage that may be necessary include:
• Workers compensation
• Umbrella as well as Excess Liability Insurance
• Management Liability Insurance
Working together with an independent insurance agency that deals with many of the top carriers who have strong financial backing and operate in the country and abroad is one way to zero in on appropriate coverage.
Doing so will also give you the opportunity to purchase a package business owners insurance plan that groups various shielding pieces of coverage together to get you optimum protection at a significantly discounted premium.
Underscoring all of the above of course is the wonderful sense of peace of mind that comes along with insurance coverage – peace of mind that allows you to concentrate on running your small medical business without the intrinsic worry of all things risky.
What type of small healthcare business can avail itself to insurance designed specifically with the industry’s needs in the forefront?
The following related businesses can find tailored coverage that is so necessary to the field:
• Medical offices
• Imaging centers hubs
• Physical therapy and rehab centers
• Medical and dental labs
If you are part of any of these specific health care enterprises, you may be an eligible insurance class:
• Acupuncture professional
• Ambulatory surgery center
• Cardiac lab
• Chiropractic doctor
• Community health center
• Convenience care clinic
• Dentists’ office
• Dialysis treatment centers
• Employee or occupational health clinic
• Health practitioners’ offices
• Hyperbaric oxygen therapy
• Lithostripsy Center
• Medical spa
• Mental health and substance abuse outpatient center
• Nurse practitioner clinic
• Optometrists’ offices
• Oral surgeon office
• Pain management center
• Physical, physiotherapist and occupational therapists
• Podiatrists’ offices
• Rehab, cardiac, outpatient facilities
• Sleep centers
• Smoking clinics
• Speech therapy offices
• Student health centers
• Vascular access center
• Weight loss center, nonsurgical weight loss clinics
• X-ray, radiology or imaging labs
To be sure, any related industry should first consult with an experienced independent agent before assuming they will be accepted for coverage. In addition, speaking with a knowledgeable indemnity professional will help him or her in understanding your needs while giving you a precious the opportunity to learn more about the coverage you require as well as the options out there.