Why do I need osteopathy practitioner insurance?
The services provided by an osteopath can vary, as your job is to assess and treat patients who come to you with a variety of issues. As an osteopath, you are often in close contact with clients, providing them with hands-on services. While some of your treatment plans may be straightforward, issues may arise, which could result in a lawsuit. Depending on the result of the lawsuit, you may be required to pay a hefty amount in damages. Even if the lawsuit ends in your favour, the cost of legal fees can hurt your practice. Osteopathy insurance, can provide coverage in the event that a claim is brought against you or your practice.
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).
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.
Why consider BrokerLink for your Osteopathy Practitioner Policy?
Our application process is simple, our coverage is comprehensive, and the policy can be tailored to your specific needs.
Our professional, dedicated team can help you protect your business and your reputation with coverage that has been approved by the Osteopathy colleges and Associations across Canada, and we are proud to have positive working relationships with these organizations.
Our unique ability to provide more than 300 additional modalities for no extra charge (in most cases) is exclusive to BrokerLink. Plus, if you are also an RMT and wish to have a combined Osteopathy and RMT policy, we have a special program for you. We also offer extra coverages for no charge such as coverage for loss of income, theft of cash, and business interruption.
Contact us for a free quote today!
Protect your business and well-earned reputation as a Osteopathy Practitioner by contacting us today via phone, email or apply directly, and we will send you a competitive quote for your consideration.
Apply / Renew (ineedapolicy) 1-877-768-2262
Other Ways to Find Business Insurance with BrokerLink