Acupuncturist Insurance

Acupuncturist General Liability Insurance

A commercial general liability insurance policy gives you a solid base of broad level protection against a variety of potential problems that can arise each day. General liability protects your company from the potential financial difficulties that can come up if a customer is injured at your business, or if they file a lawsuit against you for other reasons. This coverage is even more useful because it grows along with your company. If you add a new acupuncture office for example, your general liability policy will automatically provide it with protection from the day you acquire it. The most important ways this insurance helps protect your company includes:

General Liability Insurance Includes:

• Premises Liability – Premises liability is important business insurance for an acupuncturist, so that you’re not putting your entire business at risk when accidents happen. If a customer trips and falls while at your offices, or if their personal property is damaged while parked at your business location, they may sue you for the damages and injuries. Premises liability is designed to protect you from having to pay for these accidents out of your own pockets. It pays the medical bills when physical injuries happen to your customers and it pays for property repairs when damages occur at your business location.
• Products Liability – If you sell products in your acupuncturist office, you are at risk of being sued if those products are found to be defective. When products cause harm or injury to your customers, they can hold you legally liable. Products liability coverage can help protect you by paying for the legal expenses you will incur while defending yourself. It will also pay for the customers medical bills, property damage repair bills, pain and suffering or any other judgments or awards that are granted.
• Completed Operations – Similar to product problems, sometimes a customer may feel that you caused them harm with the services you provided to them. Completed operations coverage helps protect you from these lawsuits as well. It pays for your litigation expenses and pays the customers awards, pain and suffering, or medical bills as applicable.

Acupuncturist Business Owners Policy

A business owners insurance policy, or BOP, gives you additional protection specifically for your tangible or intangible business assets. This insurance includes general liability automatically while allowing you to tailor the other parts of the policy towards your specific business needs. A BOP protects you from losses and damages to your physical assets, such as your offices machines, and to your intangibles as well, such as your accounts receivables. Examples of protection areas you can select include:

• Buildings and Contents
• Business Income and Extra Expense
• Electronic Data
• Newly Acquired or Constructed Buildings
• Employee Dishonesty Coverage