When you also have equipment or operate from a studio
All Standard plan benefits and:
Every Acupuncturist benefits from having Malpractice Insurance, General Liability, and Commercial Property. If you have employees, you may need Worker’s Compensation or Health Insurance. And if you do hospital or house visits, you’ll need Business Auto Insurance.
This policy covers slip and fall accidents in your office as well as third-party property damage, advertising injury claims, and alleged libel or slander.
Pays to repair vehicles damaged while being used for your business. It also covers costs to repair a third-party’s property or medical expenses if you are at fault for the accident.
Acupuncturists deal with a lot of clients on a daily basis. When they get sick or injured on the job, Workers' Compensation is your ally. Normally a state-mandated insurance, Workers' Comp covers the employee's medical expenses when sick and rehabilitation benefits if injured on the job. The insurance also covers lost wages until your employee is able to work again.
Property insurance pays for construction of a new building after a covered event destroys it. It also pays to replace property, including equipment, tools and supplies, if they are damaged or stolen.
The cost of insurance for acupuncturists depends on which carrier you purchase a policy through. Most will want to know how much experience you have, what your annual revenue is, and any policies and procedures you have in place before they offer a quote. The cost can start as low as $400/year.
Just like you create a plan to heal and help patients, you also need to create a plan to protect your acupuncture business against these common risks.
As an acupuncturist, you understand and appreciate the value of alternative medicine techniques. Patients rely on you for a fresh approach free of prescriptions and surgery to guide them on a path of healing. The fact that your daily appointments include inserting tiny needles into patients’ skin opens the doors to significant risk and potential for lawsuits. Acupuncturist Insurance protects your practice when one of these stressful scenarios occur by alleviating costs, time, and managing your reputation.
An acupuncturist places acupuncture needles into specific anatomic sites to improve the body's functions and promote self-healing.
The most common lawsuit against acupuncturists are customers who slip, fall or sustain injuries while on the business property. As acupuncturists, you are expected to protect customers from hazards, even those you know nothing about. Premises Liability is a policy that offers bodily injury and property damage coverage related to the ownership or maintenance of business premises.
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