Why do I need clinic or spa insurance?
As a clinic or spa owner, you have moved beyond being an individual practitioner and grown your practice into a full business entity. This is a huge accomplishment, and it requires the right insurance coverage to ensure all the time and hard work you’ve invested are protected.
In addition to commercial general liability coverage, you require specific professional liability and legal coverages for your business entity.
Why? You or your business entity could be named in a lawsuit for the negligence of a practitioner in your clinic. They don’t have to be employees or even a sub-contractor, they may just be renting a room in your clinic but as long as your name is one the door, your entity is exposed. Even if your sub-contractors or employees have their own professional liability policies, these policies will not cover you or your clinic if you are named in a lawsuit.
Insurance coverage for your spa or clinic
We offer a comprehensive insurance policy for your health and wellness clinic or spa at an affordable cost, with coverage to protect your unique needs.
The extensive experience of our dedicated advisors allows them to take the time to understand your specific business, so we can recommend the coverages and protection that are best suited to you, such as:
- Professional Liability: also known as Errors & Omissions Insurance, covers your liability for errors and omissions or negligence during the course of your insured professional services. If a third party, such as a client, brings a suit against you for damages covered by your insurance policy, this protection would also cover legal fees for your defence. Subject to the policy wordings.
- Commercial General Liability. Commercial general liability insurance protects you and your insured business against claims for bodily or personal injuries, advertising liability. This coverage also includes property damage to third parties arising from your operations or products or occurring on your business premises. In the event of an insured claim against you this coverage would cover legal costs to defend the claim against your business in court, as well as damage rulings against you to compensate third parties. Subject to the policy wordings.
- Office Protection: If your business is damaged from an insured peril this coverage provides you with a basket of coverage’s including: business equipment, business interruption, glass, property in transit to name a few. Subject to the policy wordings.
- Contents and Building. Damage requiring reconstruction costs can easily cost thousands of dollars for a small clinic or spa. Making sure you have adequate coverage to protect your investment is essential.
Are you opening a new health and wellness clinic or spa?
Apply for your insurance coverage today or contact us to learn more about what you need for your specific location.
Our insurance policies are:
- Highly comprehensive
- Specifically tailored
- Properly covered
1-877-768-2262 [email protected]
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