When you also have equipment or operate from an office
All Basic plan benefits and:
Get covered against errors resulting in bodily injury
All Standard plan benefits and:
General Liability insurance will cover the attorney fees and medical expenses due to property damage, bodily injury, advertising mistakes for which your business may be legally responsible. The insurance can also cover if your business is held liable to your landlord's property.
Commercial Auto insurance covers the financial responsibility if you, or your employees, are at fault in an accident and it has caused personal injury and property damage. This is for your business vehicles and has greater coverage than personal auto policies. This is useful to safeguard your business and personal assets, and it is a requirement in most states.
Workers' Compensation covers the expense of an employee's work-related illness or injury. This could be medical expenses; hospitalization; emergency expenses, like an ambulance ride to the ER, or long-term costs, like physical therapy or the employee's lost wages. In turn, employees have relinquished the right to sue for employer negligence.
When hypnosis caused a client more harm than good, you could face a lawsuit. For this, you need Medical Malpractice to cover hypnotherapists from liability arising from the services offered to clients that caused them harm. The insurance covers the range of expenses associated with defending a malpractice lawsuit and pays for the damages when your business is found liable.
As a hypnotherapists, patients rely on your professionalism to provide a fresh approach free of further medical treatment. Hypnotherapists insurance lets you focus on your practice by protecting your business from potential issues and sues that will not only take away money and time but also impact your reputation.
As a hypnotherapist, you service your clients by hypnotizing them in a relaxed state and increase awareness. While this seems like a risk-free business, it isn't. Your business is financially vulnerable if you don't have insurance. When your client sues your business for malpractice, your insurance will cover attorney and court costs up to the policy limits. This means that your business and personal assets are protected.
Below are some of the common risks hypnotherapists can face:
The cost of insurance for hypnotherapists depends on many factors. Most insurance companies will need to know the size of your business, the number of employees you have and the coverage needed. Without taking these into account, below are the average costs of insurance policies for hypnotherapists:
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