- General liability insurance
General liability insurance covers common small business risks like customer injury, customer property damage, and advertising injury. It protects your business during lawsuits and helps you qualify for leases and contracts.
General liability covers common risks
Regardless of how careful you are, there are risks you face every time a patient steps into your office. In the event of an accident, general liability insurance protects doctors, dentists, and other healthcare professionals from the high cost of lawsuits filed by patients, delivery people, and other visitors to your office.
This policy provides liability coverage related to:
- Patient and visitor injuries
- Patient and visitor property damage
- Advertising injuries, such as libel and slander
Bundle policies to save money and enhance security
If you run a small healthcare practice, you may be able to bundle general liability insurance with commercial property insurance in a business owner’s policy. A BOP costs less than purchasing each policy separately. Businesses that are eligible for a BOP typically:
- Have fewer than 100 employees
- Have a small office or workplace
- Make less than $1 million in annual revenue
- Operate in a low-risk industry
- Need less than 12 months of business interruption insurance
Talk to a licensed Insureon agent who specializes in the healthcare industry to find out if your business is eligible.
What coverage can general liability provide for healthcare professionals?
Patient and visitor injuries
If a patient or delivery person slips and falls at your clinic, you could be held responsible for the injury. If the injured party sues, you could end up paying for medical expenses – plus the cost of hiring a lawyer. General liability insurance pays for:
- Medical bills
- Attorney’s fees
- Court-ordered judgments
- Funeral expenses in fatal incidents
Note that this policy does not cover employee injuries. For that, you’ll need workers’ compensation insurance.
Patient and visitor property damage
When dealing with patients and visitors, your dietitian business, radiology lab, or other healthcare business may have to handle their property. If an item is lost or damaged, your practice could be held liable. General liability insurance can cover:
- Repair of a damaged item
- Replacement of a destroyed or lost item
- Legal fees from a property damage lawsuit
While advertising your healthcare business and its services, it’s possible to inadvertently copy a competitor’s slogan or mimic another advertising campaign. Accidental advertising injuries are covered by general liability insurance, including:
- Defamation, both libel (written) and slander (spoken)
- Copyright infringement
Other important policies for healthcare professionals
While general liability insurance covers many common risks, it does not provide complete protection. Employee injuries or damage to business property can occur at any medical practice. Other important policies for healthcare professionals include:
Business owner’s policy: This policy bundles general liability insurance with commercial property insurance, often at a lower rate than if the policies were purchased separately.
Workers’ compensation insurance: Required in almost every state for healthcare businesses with employees, workers’ comp can cover medical fees for work-related injuries and illnesses.
Cyber liability insurance: This policy helps healthcare professionals survive data breaches and cyberattacks by paying for recovery expenses and other associated costs.
Professional liability insurance: Also called malpractice insurance for medical professionals, this policy can help cover legal expenses related to accusations of errors or negligence.
Get free quotes and compare policies with Insureon
Are you ready to safeguard your medical office, acupuncture clinic, dentist office, or other healthcare business with general liability insurance? Complete Insureon’s easy online application today. Once you find the right policy, you can begin coverage in less than 24 hours.