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Insurance for Paramedics

... of mind and comprehensive coverage. Professional Liability Insurance (aka Malpractice Liability Insurance) Paramedics A Professional Liability (aka E&O or malpractice) policy is important for Paramedics who work with ...

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Who Needs Professional Liability Insurance?

Professional liability insurance is the one form ... professional service providers agree that professional liability insurance is a necessary cost ... had not done everything in their professional capacity to serve their clients' best interests. This is where professional liability insurance comes in. The real estate agent would not have to pay their own legal fees ...

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Why Not Protect Your Stamp with Professional Liability for Architects?

Maybe you've been designing and building residential homes, landscapes, and business complexes for many years. Or perhaps you are new to the design industry and recently ... you? Will you be able to bankroll your operations and still cover the costs of a malpractice suit? Purchasing a Professional Liability Insurance for Architects policy is the best way to plan for such a rainy day. It ...

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All You Need to Know about Professional Liability Insurance for Architects

Architects contribute to the evolving American landscape in many different ways like designing a family's dream home or building flashy city skyscrapers. Design professionals ... better understand what an Architect Professional Liability policy will cover so let's move on to what it will not cover. Illegal acts Intentional malpractice Employment disputes Employee injuries Property ...

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What is Professional Liability insurance and why you need it for your Florida business

Nothing turns your world upside down like the fateful words you have been served. A lawsuit is every small businesss worst nightmare. Not only it means damage to your ... Malpractice). Some carriers will sometimes endorse your policy to eliminate this provision, so it never hurts to ask. Claims Made policy: Unlike the traditional General Liability policy, the Professional Liability ...

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Professional Liability Insurance FAQs

... and Professional Liability insurance? What is Professional Liability insurance for consultants? What is Malpractice Insurance (aka Professional Liability Insurance) for nurses? What is Professional Liability Insurance ...

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Professional Liability Insurance

... , designing solutions or representing the needs of others are all have Professional Liability exposure. Professional Liability Insurance can safeguard your professional reputation, profitability, and business assets from ...

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Professional Liability Insurance California

... offering. As a result, the customer initiates a lawsuit against your company. In such a situation, a professional liability insurance policy can help you meet expenses incurred while defending your company. What does ...

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Professional Liability Insurance Florida

... policy can help you meet expenses incurred while defending your company. What does Professional Liability Insurance cover Professional Liability covers all costs to defend your business in case of a lawsuit from a ...

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What is Professional Liability Insurance for Personal Trainers?

Decades ago the fitness industry took the US by storm and continues to grow rapidly. In fact, according to statista.com, the industry revenue in the US alone is $25 ... should be looking out for and of course the cost of such a policy. What is Professional Liability Insurance? Professional liability insurance, or as we like to call it a personal trainer insurance coverage, affords ...

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Professional Liability Insurance Choices for Small Businesses

If you've been in the market for business insurance lately you already know that there are a full range of options. The world of insurance is constantly changing and ... of a 3rd party suing you claiming financial damages as a result of your professional services. What does Professional Liability cover? If you make a mistake, or are accused of making a mistake ( such as errors ...

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Professional Liability Insurance Texas

... or omission in your work or that work wasn't up to par. But if you are covered with professional liability Insurance, it safeguards you and your business from third party claims brought on as a result of professional ...

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What You Need to Know About the Cost of Engineer Professional Liability Insurance

Savvy budgeting and careful consideration of any new expenses are must-haves for any business owner who wants to expand and grow her company. However, every business ... owner asks - how can I reduce the total cost of the policy? What is Professional Liability Insurance A Professional Liability Insurance policy (also called an Errors and Omissions or an E&O policy) is designed ...

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All you wanted to know about Engineer's Professional Liability insurance

Do you like paying a monthly premium for your insurance? The answer is probably not. No business owner that we ever talked to is excited about the prospect of paying ... harm. The two main types of liability policies you will encounter are a General Liability policy and a Professional Liability policy for engineers. In this blog post, we will focus on explaining the ins and outs of the ...

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Consumer Demands and Professional Liability Insurance Go Hand in Hand

In the modern world, consumers can perform thorough research on thousands of options before deciding where to buy their services. Throughout the research process there ... the loss of future business, damaged reputation and even the potential for very expensive lawsuits. Professional liability insurance offers service providers a built in defense mechanism against the different levels of ...

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Home Health Care Providers and Businesses Cannot Afford to Ignore Malpractice Insurance

Medical professionals have the duty to provide treatment to their patients aligned to the medical standards of care. The staff you employ at your home health care business ... care. You did not communicate effectively : Professional liability claims can stem from a lack of ... force. Who all can purchase medical malpractice insurance? Medical malpractice insurance can take the form of an ...

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What is Malpractice Insurance for nurses?

... their wellbeing. Do nurses need their individual Malpractice Insurance? While employers may provide some form of Professional Liability coverage, Malpractice Insurance provides additional coverage if a claim were ...

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Breaking Down the Facts About California Errors and Omissions Insurance

... Errors and Omissions Insurance (aka Professional Liability insurance) helps service-based businesses ... ... potential legal actions, lawsuits, and more. This type of insurance is commonly referred to as Professional Liability Insurance as well and is intended primarily to protect a business’s financial standing. What does ...

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How Liability Insurance Can Benefit Nutritionists

There's no question that every practicing Nutritionist has a lot to deal with to keep his or her business running. Between working with patients, studying and improving ... ( Omissions ). In the healthcare community and among some Nutritionists, Professional Liability insurance is therefore known as Malpractice insurance. The nature of these professions tends to open up practitioners ...

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Nutritionist Insurance: Guide Your Patients, Protect Your Practice

As a Nutritionist, you have been tasked with offering health advice that will inevitably shape the lives and well being of your patients. It is a very honorable profession ... coverage, each covering a different set of particulars. Professional Liability Insurance (PLI)- PLI is sometimes also referred to as Professional Indemnity Insurance (PII) and is most commonly known as Errors ...

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What is Physical Therapist Liability Insurance

By the year 2026, the United States Bureau of Labor predicts there will be more than 300,000 Physical Therapists working in the U.S. (April 2018). That represents more ... Therapist General Liability Insurance by clicking here . Professional Liability (Malpractice) Insurance for Physical Therapists Professional Liability (Malpractice) Insurance is used by health care professionals to ...

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Insurance for Physical Therapists

... designed to offer the maximum protection to Physical Therapists. The package includes Professional Liability insurance (Malpractice Insurance), General Liability insurance, and Cyber Liability insurance. Each of these ...

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Insurance for Nurses

... be devastating to your reputation but also to you financially. Having Malpractice Liability insurance gives additional coverage to the Professional Liability coverage which may be provided by the employer. There have ...

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What Will I Pay for Physical Therapists Liability Insurance?

You've successfully completed your Physical Therapy training and certification and every day you use that experience to alleviate pain and physical limitations for your ... what it can do for you. Policy Type What Policy Covers Professional (Malpractice) Liability Professional Liability (Malpractice) Insurance is used by health care professionals to protect them from ...

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How Much Do Dietitians and Nutritionists Really Earn?

There's a larger audience than ever for almost anything related to health and fitness. Dietitians and Nutritionists give clients the tools they need to improve their ... your business. Nobody can tell when or how a serious malpractice case might come up, which is why it's so important to invest in Professional Liability insurance. These policies will ensure that you're protected from ...

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Insurance for Adult Day Care

... with peace of mind and comprehensive coverage. Professional Liability Insurance (aka Malpractice Liability Insurance) Adult Day Care A Professional Liability (aka E&O or malpractice) policy is important for Adult Day ...

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Insurance for Acupuncture Clinics

... policy is essential to help you steer through a legal minefield. A Professional Liability policy covers allegations such as malpractice, bad advice, negligence, human errors and mistakes. The policy often covers claims ...

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Insurance for Artificial Limb Clinics

... policy is essential to help you steer through a legal minefield. A Professional Liability policy covers allegations such as malpractice, bad advice, negligence, human errors and mistakes. The policy often covers claims ...

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Insurance for Diagnostic Imaging & X-Ray Centres

... policy is essential to help you steer through a legal minefield. A Professional Liability policy covers allegations such as malpractice, bad advice, negligence, human errors and mistakes. The policy often covers claims ...

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Insurance for Ocularist

... with peace of mind and comprehensive coverage. Professional Liability Insurance (aka Malpractice Liability Insurance) Ocularist A Professional Liability (aka E&O or malpractice) policy is important for Ocularists who ...

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Insurance for Pharmacists

... policy is essential to help you steer through a legal minefield. A Professional Liability policy covers allegations such as malpractice, bad advice, negligence, human errors and mistakes. The policy often covers claims ...

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Home Health Aide Duties, Limitations and Risks

The direct care workforce offers care in a variety of settings such as hospitals, assisted living facilities and homes. Home care workers are a segment of the direct ... the aide or the agency employing the aide, then professional liability insurance will pay the legal costs and settlements or ... of the city's insurance marketplace . Malpractice insurance premiums have dropped in the past ...

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Be Prepared Before You Start Your Career as a Nutritionist

The journey of starting your own business as Nutritionist is surely an exciting one. Even though at first it may seem quite challenging, it will prove to be the most ... . You can check here to the options to buy professional liability insurance that will best suit you and your budget. ... Nutritionist malpractice insurance policy protects your business against claims of malpractice from ...

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Insurance for Medical, Health & Sciences

... policy is essential to help you steer through a legal minefield. A Professional Liability policy covers allegations such as malpractice, bad advice, negligence, human errors and mistakes. The policy often covers claims ...

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An Introduction to Home Health Care Provider and Business Liability Insurance

Baby Boomers are currently America's largest living adult generation, with Millennials nipping at their heels.[[1]] And they are retiring, which explains the surge in ... aides commit when caring for patients falls under professional liabilities, and is covered by professional liability insurance, also known as malpractice insurance. Some examples include: The patient is admitted ...

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Insurance for Personal Trainers

... held liable resulting in a hefty malpractice suit. Did you know? Many fitness clubs won t permit independent contractors on site without evidence of professional liability insurance. Sometimes the personal trainers need ...

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Insurance for Legal Services

... business insurance coverage for legal services professionals.Sometimes referred to as Malpractice or Errors & Omissions insurance, Professional Liability is triggered when someone alleges that your service caused them ...

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Insurance for Accountants

... is essential to protecting your assets. A Professional Liability policy for Accounting professionals covers allegations of negligence, bad advice, failure to perform, malpractice, etc. It is triggered when a customer ...

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Errors and Omissions Insurance Florida

... and Omissions Insurance is also commonly known as Professional Liability Insurance. This is a specific type of ... Florida Errors and Omissions Insurance: Intentional malpractice Fraud and dishonesty Illegal acts Known ...

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What You Need to Know About Notary Public Liability Insurance

Any occupation where people put trust in your professional advice and services is prone to lawsuits and notaries are not an exception. Notary Public Liability insurance ... can rightfully initiate litigation against you for malpractice or negligence. That is why it is ... it is another reason to be proactive about your professional liabilities and get the right insurance from a well-reputed ...

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Why Do I Need Estheticians Liability Insurance?

Whether you are just beginning your career as an esthetician or if you are an established professional with years of experience, one question is always in the back of ... policy and what does it cover? As the name suggests, a professional liability policy (otherwise known as a malpractice policy), is designed to cover your actions in a professional capacity as a licensed esthetician ...

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Why Do I Need Personal Trainer Liability Insurance?

Personal training is an exciting career path. Whether you are just embarking on this journey or are an established personal trainer with years of experience, it's always ... in hot water down the line and leaves you completely unprotected in a case of malpractice (or professional liability) claim. A general liability insurance policy excludes any acts done in your professional capacity as ...

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Insurance for Nutritionists and Dietitians

... might get sick and decide to sue you for malpractice. If their lawyer can find even one contradictory article ... you need to protect yourself with Professional Liability Insurance. "Insurance For Nutritionists and ...

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Insurance for Financial Services

... is essential to protecting your assets.A Professional Liability policy for financial professionals covers allegations of negligence, bad advice, failure to perform, malpractice, etc. It is triggered when a customer ...

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Insurance for Staffing & Human Resources

... employees and your independent contractors from costs and resulting damages related to the claim. A Professional Liability insurance policy is often required by contract for many staffing and HR specialists before they ...

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Exposing the True Cost of Pilates Instructor Certification

Do you enjoy teaching? Are you comfortable talking to big groups? Do you have a nurturing personality? Have you ever been a coach or a tutor? Are you looking for a flexible ... Pilates instructor liability insurance . This will be mandatory for you to teach in the certification studios. Most professional liability policies are about $500 to $1,000 per year. You may even be able to find a ...

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Business Insurance Guidelines for Start Ups

As a start up business owner, you know how hectic and exciting the early stages of building a new company can be. With all of the other time consuming tasks on your ... others for a fee then you likely have professional liability exposure. Additionally, lawsuits can be brought against ... faith, Overpromising, Improper documentation, Malpractice, Mismanagement, Misrepresentation of facts, ...

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Errors and Omissions Insurance Texas

... and omissions Insurance is commonly known as professional liability insurance. This is a special type of ... Insurance in Texas: Illegal acts Intentional malpractice Known claims and circumstances Fraud and dishonesty ...

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Why Do You Need Errors and Omissions Insurance for Your Florida Firm?

As the owner of a growing business in Florida, you know that safeguarding your business reputation is of paramount importance. You make sure that you handpick the most ... insurance? Errors and omissions insurance (aka Professional Liability insurance ) is designed to protect your ... insurance kicking in, such as: Deliberate malpractice Fraud, cheating, dishonesty Acts that are ...

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How Errors and Omissions Insurance Protects Small Business in Texas

Every service-base small business owner in Texas understands how difficult it is to predict the future. While you strive to make good decision, and provide sound advice ... Omission Insurance is also referred to as Professional Liability Insurance . It's a customized insurance ... or individuals working for the entity Intentional malpractice or fraudulent acts Acts of dishonesty Property ...

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Starting your own Non-Medical Home Health Care Business - A Complete Guide

Non-medical home care is a great business opportunity for anyone who is caring, trustworthy, and empathetic. In the next few years and decades, the need for at-home ... the services you're offering. At a minimum, you'll need: Professional liability insurance , which protects you from claims of malpractice, incompetence, or negligence. This is also known as “errors and omissions ...

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Why Do I Need Accountant Liability Insurance?

Accounting professionals make the confusing, arcane and difficult world of budgeting, taxes and payroll understandable. To do this, accounting professionals must keep ... or fail to do something. That's what errors and omissions coverage is for. It is the crown jewel of Professional Liability insurance. Why You Must Have it: Let's say its tax season. You and your small team of staff ...

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Insurance for Events, Planning & Organization

... be very high and attention to detail is critical. Thus, a dependable Professional Liability insurance policy is essential. A Professional Liability insurance policy&may protect you when a customer or other third party is ...

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Insurance for Videographer

... insurance providers and purchase the best insurance for your business. Professional Liability insurance What is Professional Liability insurance Professional Liability, also known as Errors and Omissions or E&O insurance ...

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Insurance for Notary Public

... you to compare multiple quotes so you can compare cost and coverage. What is Professional Liability Insurance? Professional Liability, otherwise known as E&O insurance, protects your business against claims of negligence ...

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Insurance for Estheticians

... skin damage or scars they may blame you and you can be held liable. That's why a Professional Liability Insurance that is reliable and tailored to massage therapists has never been more important. Bizinsure can help get ...

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Architect Liability Insurance

... to cause extensive financial damage, enough to potentially put you out of business. This is where Professional Liability insurance becomes vital to protecting your business and can provide coverage in the event if you ...

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Engineer Liability Insurance

... to their property. If you were to have a lawsuit filed against you or your business, Professional Liability insurance is there to provide financial protection even if you have done nothing wrong. Depending on your ...

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Insurance for Management Consultant

... incorrect advice Failure to perform your professional duties Mistakes were made This is where your Professional Liability (Errors & Omissions insurance) insurance comes into play. The other type of insurance which you ...

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What Kind of Insurances Do Texas Businesses Need?

Texas is one of the largest states in the US and the second-most populous. With a population of 28.996 million, the State is home to 2.7 million small businesses that ... service may anger customers. If that results in lawsuits against the company, then you will need professional liability insurance. It specifically covers the inability of a company to deliver on its promises of quality ...

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Liability Insurance: Even Notary Publics Need It

Consider any profession in any industry or a moment. What do they all have in common? They're all run by people. What do people have in common? People make mistakes ... a settlement, costs related to a judgement, and all the expenses that come with those processes. A professional liability insurance policy, that E&O we've been talking about, is beyond vital for professionals who are ...

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How Much Does Accountants Liability Insurance Cost?

Accountants play an important role in helping individuals and businesses manage their finances. As an Accountant, you work with important, private and sensitive information ... day and night to keep up with the workload. You want to settle this matter with the clients. Your Professional Liability policy steps in to help you pay for legal counsel and prepare a settlement. These scenarios are ...

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How Much Does Real Estate Agent Liability Insurance Cost?

A Real Estate Agent is a highly popular occupation for those looking for flexible hours, interacting with clients and of course the potential to earn a high income. ... policy, we want to focus on the reason you are reading this article – how much does a Professional Liability policy cost? And what factors affect the cost of your premium. Without further ado, let’s begin! How ...

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Why Do I Need Real Estate Agents Liability Insurance?

The career path of a Real Estate agent is undoubtedly tricky in the beginning starting with passing your licensing exam to obtain the all-important license to sell. ... defending a lawsuit. Let's take a closer look at why as a real estate agent, you need to consider Professional Liability (PL) insurance. We’ll also touch on what this type of insurance covers and what else you can do ...

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What is Accountant Liability Insurance?

As an Accountant, you spend a lot of time on financial regulations, calculating, quantifying and analyzing, but you probably don't spend much time thinking about Accountant ... injury liability coverage steps in for you. As an Accountant, it’s more common to focus on your Professional Liability, but bodily injury claims are the most common type of claim and can occur on any type of premises ...

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What Is Real Estate Agent Liability Insurance?

Becoming a realtor is a popular career of choice for many. The potential for a high income as well as an opportunity to work closely with people is enticing. However ... . Unlike a General Liability policy that only covers claims such as slip and fall or accidental damage, a Professional Liability policy helps you get back on your feet if a lawsuit has been brought against you because of ...

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How Much Does Consultant Liability Insurance Cost?

You have an advanced degree and years of experience. You enjoy having a flexible schedule and meeting new challenges each day. Your clients are pleased with your consulting ... 's normally recommended that a consultant buy both General Liability insurance and Professional Liability insurance. The Professional liability (E&O) insurance is important because your services are based on professional ...

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Why Do Consultants Need Liability Insurance?

You've earned an MBA from an eminent university. You've worked for a decade in the C-Suite of a prestigious international consulting firm. Your co-workers often encourage ... will defend your consulting business if it is named as a third-party in a lawsuit as well. Professional liability insurance is also known as Errors & Omissions (E&O) insurance . E&O insurance is recommended if ...

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How Much Does Estheticians Liability Insurance Cost

According to the Bureau of Labor Statistics,[1] the Esthetician job market is expected to grow by 14% by 2026. It's not surprising that this profession is an easy choice ... license exam and found a spa to work in. Now what? Now is the time to consider purchasing a Professional Liability Esthetician's policy. Today we want to talk about how much this type of policy costs and what are the ...

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What Is Consultants Liability Insurance?

In 2017, American consultants produced around $63.2 Billion in revenue (Statista, 2018). This is not surprising considering the continued growth of the consulting field ... business. For example, if you are an IT consultant, you may find that your customer requires you to have professional liability (E&O) insurance in an amount equal to their own policy. If your customer has a $2,000,000 ...

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What Is Estheticians Liability Insurance

As a professional esthetician, you provide services to help your clients feel more beautiful and more relaxed than before they stepped foot in your spa. But what happens ... a day. Unfortunately, not all of them are going to walk out of your spa as happy customers. Professional liability insurance, otherwise known as an errors & omissions policy, is designed to protect you in a case of a ...

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How Much Does Personal Trainer Liability Insurance Cost

There is hardly a person in the US that has never stepped foot in a fitness club. The fitness industry has always been a big deal, but it has grown exponentially in ... with your employer. Below are a few issues we often find as it relates to the gym's master professional liability policy. – Training clients outside of the club - The master policy of the gym you work for will always ...

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How Much Does Pilates Instructor Liability Insurance Cost?

You have paid for your Pilates business with hours of sweat equity. Your dream of teaching the amazing benefits of Pilates movement is now a reality. The small Pilates ... that a Pilates instructor purchase both general liability insurance, as well as professional liability insurance. The professional liability (E&O) insurance is important because you are a certified Pilates trainer ...

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Why Do I Need Pilates Liability Insurance?

You may figure you know how to properly and carefully teach your students to do the Jackknife or perform Reformer exercises. So far teaching has gone smoothly and your ... bodily injury, medical costs, and property damage. The coverage is useful for claims from individuals. Professional liability insurance is also known as Errors & Omissions (E&O) insurance. E&O insurance is recommended ...

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What is Pilates Instructor Liability Insurance?

Teaching powerhouse core moves to clients are very satisfying. You enjoy showing elderly neighbours and young college students alike how to alleviate chronic pain and ... pay for that particular claim. Any costs that exceed the liability limit will be your responsibility. Professional Liability (E&O) Insurance per occurrence liability limits normally range from $500,000 to $2,000,000 ...

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Why Insurance Is a Must Have for The Modern Yogi Teacher

Yoga instructors make it look easy. Not only do you manage those exquisite yoga poses while keeping your eye on a roomful of yogis, you also manage a business. Being ... should be aware that this is not coverage for injuries arising out of your teaching - that's part of professional liability insurance, something we'll talk about in a minute. Why you need it: Let's say you're at a ...

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Complete Cost and Benefits of Yoga Insurance

There seems to be no end to the growing popularity of yoga. The ancient practice continues to draw new students every day. As Americans search for ways to de-stress ... . It allows you to have a flexible workplaceMany studios will require you to have a yoga instructor professional liability policy. Having the coverage in place will make getting those gigs a lot easier. Gives you an ...

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The Complete Guide to Yoga Instructor Liability Insurance

As a yoga instructor, chances are you probably don't spend much time thinking about yoga instructor liability insurance. You probably spend most of your time thinking ... someone is injured on your premises. Yoga Instructor Liability Insurance: Protection from Professional Liabilities Professional liability insurance covers you for claims made related to your profession. This is the ...

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A Billion Dollar Mistake or Executives on the Take?

Have you heard about MF Global? If you've been following the top business news lately it would be hard to miss. It all started with a ratings downgrade which triggered ... account to meet margin calls or was the loss of funds a mere clerical error? MF Global's Professional Liability insurers will need to determine whether the loss of customer funds was the result of negligence or fraud ...

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Steps To Starting Your Own Architecture Firm

As architecture is a highly skilled field that demands competency in multiple domains including engineering, design, communication, management, information technology ... firm could be shut down or may have to pay hefty penalties. Get business insurance : Architects professional liability insurance is one of the key factors that architects must pay attention to. If your firm employs ...

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Surveying and Mapping Services Insurance

... insurable by law Mediation deductible credit GET INSTANT QUOTES Did you know? If you have adequate professional liability coverage for your business, you will be protected against claims, judgments and court costs up to ...

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Insurance for Software Developers

... rendering services to corporate clients require professional liability, cyber liability and general liability insurance What is Professional Liability Insurance? Professional Liability, otherwise known as E&O insurance ...

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  • The woman I originally spoke with was extremely helpful in getting me a quote for Professional Liability Insurance. She really took the time to understand my business and to determine what policy would be best for me to apply for.

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Did you know?

General liability insurance can provide coverage nationally. Wherever in the U.S., you operate your business at, you will be protected by general liability.

Insurance for Paramedics

Our Miscellaneous Medical Liability package is tailored to cover the specific insurance needs of Paramedics. The package includes Professional Liability Insurance, General Liability Insurance, and Cyber Liability Insurance.

Each of these types of insurances offers some form of protection against the risks Paramedics may be faced with, providing you with peace of mind and comprehensive coverage.

 

Professional Liability Insurance (aka Malpractice Liability Insurance) Paramedics

A Professional Liability (aka E&O or malpractice) policy is important for Paramedics who work with patients. If something goes wrong when it comes to medical or health services, a Professional Liability policy is essential to help you steer through a legal minefield.

A Professional Liability policy covers allegations such as malpractice, bad advice, negligence, human errors and mistakes. The policy often covers claims of bodily injury and claims of other economic damage.

Professional Liability policies cover defense expenses as well as any resulting damages or settlements.

 

General LiabilityParamedics

A General Liability policy is triggered when someone gets hurt or property is damaged, but their injury or damage is not related to the services you provide. A common example may be someone who falls or gets injured while you are going about your job.

General Liability is the most fundamental form of business insurance and is often required by contracts and lease agreements. A General Liability policy may also cover advertising injury and personal injury claims related to your business.

 

Cyber Insurance  Paramedics

In the growing age of increased technology, especially within the workplace, comes the risk of cyber-crime. While youre busy caring for others you dont need the added worry of someone potentially stealing patient data from you.

Reviews related to Best Malpractice Insurance For Paramedics