General Liability Insurance
for Allied Health, Fitness, Mental Health and Medical Professionals

As a healthcare professional with your own practice, you open your doors and your services to others. And no matter your area of expertise or how carefully you work, there are certain risks you expose your business to by working with patients each day. Thanks to the ever-growing reliance on the courts to settle disputes, there is no such thing as a small accident these days. A trip over your welcome mat can escalate to a liability lawsuit. In short, anyone can be sued, regardless of the safety measures you have in place to prevent accidents on your premises.

Healthcare professionals who invest in a General Liability Insurance policy benefit from the financial protection such coverage provides in the event of a lawsuit. From attorney's fees to settlement expenses, this policy ensures you can weather a lawsuit without bankrupting your practice.

Keep reading to discover more details about General Liability Insurance and how it provides a necessary safeguard for your practice.

A Safety Net

General Liability Insurance: A Safety Net for Healthcare Professionals

Your healthcare practice is built on offering your expert services to patients, but along with patients comes the potential for accidents. If, for example, a patient trips and falls in your office and breaks a wrist when catching him- or herself, you could be sued for the cost of medical bills. The court doesn't even have to rule in your patient's favor for the lawsuit to financially compromise your business. The cost of hiring an attorney to defend against a claim can be enough to overwhelm a small practice.

Fortunately, when your healthcare business has a General Liability policy, this coverage will provide funds for the legal costs associated with defending your business, including attorney's fees, docket costs, and any settlements or judgments you're found to be liable for, including bond premiums. Even if you are not at fault, your insurance will still cover the costs associated with the covered claim.

Though General Liability Insurance offers protection for your business, it pointedly does not include Malpractice coverage. If someone files a lawsuit against your business on the grounds of professional negligence, such as a patient claiming that your advice or treatment caused bodily harm or injury, you would need Malpractice Insurance (also known as Professional Liability or Errors and Omissions Insurance) to cover you. Still, business insurance is never an all-or-nothing proposition, and both types of coverage are necessary for running a successful and safe healthcare facility.

Key Details

General Liability Insurance for Healthcare Professionals: Key Details

While shopping for a policy to protect your healthcare business from costly liability claims associated with bodily injury or property damage that occurred on your business premises, you can ask your insureon agent for guidance. Our Healthcare Specialist insurance agents know the risks associated with your particular practice and can help you determine the coverages that help mitigate the risks you face.

Before you talk to an agent, feel free to read more about the types of claims your General Liability coverage can protect your practice against, depending on your policy limits.

Bodily Injury Claims

General Liability Insurance protects your healthcare business from one of the most costly liabilities: bodily injury claims. Because accidents are unpredictable and can happen anytime, no matter the precautions you take, this coverage is a must for any business owner. For example, say a patient comes into your office, tracking some rainwater onto your tiled floors. Should they slip and break an ankle, they could sue your business for medical expenses related to the injury. Even if you put the appropriate signage in place to warn patients about the slick floors on rainy days, they still could decide to file a lawsuit if they have an accident in your office.

Meritless lawsuits can still be costly, especially when you consider the expense of attorney's fees. General Liability coverage offers your business peace of mind: for unforeseen slips and spills that end in lawsuits, your business will have the funds to cover court costs and settlements up to your policy limits. If a third party's injury or illness results in death, your General Liability policy will provide funds for medical costs, funeral expenses, and court-awarded compensation. However, your own employees' on-the-job injuries or job-related illnesses are not covered by this policy. You may want to consider Workers' Compensation Insurance to protect your employees and your practice against work-related ailments.

Again, note that General Liability does not include Malpractice coverage. When a lawsuit is filed against your practice due to professional negligence that resulted in injury to a patient, your General Liability Insurance will not cover the claim. You will need Malpractice Insurance for that protection.

Property Damage Claims

In addition to safeguarding your healthcare business against bodily injury claims, your General Liability Insurance can also provide funds for property damage liability claims. Say, for example, that one of your patients leaves their belongings in your waiting room, and presumably, the property is stolen. Should that patient try to sue your business, your General Liability coverage can pay for the costs of the claim if it is covered by your policy.

Personal and Advertising Injury Claims

If you advertise your healthcare services, your business may benefit from General Liability's non-physical damages coverage. If you should inadvertently cause harm to another person or entity due to copyright infringement, libel, or slander, this coverage can protect your business in the event of a claim.

Medical Expenses Claims

Another one of the useful aspects of your General Liability policy is the coverage it provides for immediate medical attention. If an accident occurs in your office and a patient or third party is injured, this policy will compensate your business for costs associated with their medical treatment. Insurance companies tend to prefer to cover the expenses of immediate medical attention, such as an ambulance ride, rather than let the situation go unattended and have that person file a lawsuit against your business later.

Safeguard Your Business

Safeguard Your Allied Healthcare Business

When you're ready to protect your business against uncertainty, complete our easy online application in minutes. Depending on your business, you may be able to begin coverage in less than 24 hours!

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