Osteopathy Practitioner Insurance

Osteopathy insurance coverage types

Osteopathy insurance policies can include a wide range of coverage, and it’s up to you to choose which coverage types and coverage limits to include in your policy, such as:

Professional liability insurance: Professional liability insurance is the most important type of osteopathy insurance coverage. It protects you against financial losses in the event that a patient files a claim against you alleging negligence or error. This type of coverage can help pay for legal fees and court costs.

Commercial general liability: While professional liability insurance pertains to the services you provide to patients, commercial general liability insurance pertains to the office space where you offer those services. Known as slip-and-fall insurance, having commercial general liability coverage will protect you from claims of third-party property damage or bodily injury (for example, if someone slips and falls on a wet floor in your office and sues you).

Optional coverage

Cyber liability: Cyber liability insurance protects against financial losses relating to data breaches or hacks. If your osteopathy office stores personal or medical data about clients online, cyber liability insurance can be useful.

What insurance do I need for my wellness clinic?

We understand the unique culture of your field of practice and the associated hazards of running this type of business, so we’ve created a special program providing comprehensive coverage under a single policy that includes:

• Business Interruption: This coverage will provide for your ongoing expenses as well as lost income if your clinic is shut down for days or weeks due to a claim.
• Contents (and building) coverage is essential and our program extensions are designed to add additional coverage to round out your program.
• Professional Liability and business owner’s insurance: BrokerLink is pleased to bring you an exclusive program that we have provided to alternative healthcare practitioners for over 15 years. Professional Liability is the cornerstone of our program. This coverage is written on an “Occurrence Form” to give you lifetime protection for claims made against you. This coverage has also been extended to include “Owners Protective Professional Liability” and will insure the clinic, its owners, employees, subcontractors and volunteers.
• Commercial General Liability: The most common form of liability that accounts for the majority of liability claims. Even if a client falls and is injured on the property that you rent you may be held accountable.