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You’ve spent hours studying the body: what the meridian points are, where energy flows, and how each point connects and correlates to the mind and body. You’re a master at balancing qi and providing pain relief for thousands of clients who walk in your practice’s doors. In short, you’re the go-to person for energy work.
On the other hand, you probably aren’t as masterful in small business insurance.
Let Simply Business build an acupuncture insurance policy that’s personalized just for you.Get Your Quote
Professional liability insurance - which is also called errors and omissions insurance - is a type of policy that provides coverage in case a claim is filed against your business due to an error from your professional advice or recommendations.
For example, you may have a client who comes in and is a bit skeptical of alternative holistic healing practices, but they have come to you because they’ve exhausted western medicine treatments with no change to their pain. They’ve read your service menu but haven’t done too much outside research on what acupuncture is or does. If you accidentally omit information about your style of treatments, and thus they have a bad experience, they could file a claim against you for errors and omissions. Professional liability insurance may cover some of the costs for dealing with this claim.
Let’s say you just renovated your lounge area/waiting room, making it a super zen space with small fountains, crystals, and acupuncture-inspired art. A client comes in and accidentally knocks over one of your fountains, damaging the fountain itself and the floor. General liability insurance may cover some of the costs for the damage repair. General liability insurance is sometimes bought in conjunction with professional liability insurance, but be sure you check your specific policy to see if it includes both coverages. Depending on the type of work you perform, both policies may be required to provide the best level of coverage in the event your business experiences a claim.
Learn more about General Liability Insurance.
Do you have full-time employees, part-time help, or even subcontractors? If that’s the case, you’ll definitely need workers compensation insurance. If someone who works for you gets hurt on the job, this coverage provides help with medical bills, lost wages, and any legal costs that relate to the injury.
Most states require any business with employees to have workers compensation insurance, so make sure you add it to your policy!
Learn more about workers compensation insurance.
Not sure how much you might pay for coverage for your insurance business? While there’s no one answer for how much your policy will cost, your final premium will usually be determined by:
Want to find out how much your insurance policy might cost? Just click here to answer a couple of questions about your business.