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What is Physical Therapist Liability Insurance

... be more than 300,000 Physical Therapists working in the U.S ... a 28% increase in the Physical Therapy industry over the course of ... you are considering ... learn more about Physical Therapist General Liability Insurance by clicking here . Professional Liability (Malpractice) Insurance for Physical Therapists Professional Liability (Malpractice) Insurance is used by health ...

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Insurance for Physical Therapists

... 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 types of ...

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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 ... experience to alleviate pain and physical limitations for ... liability insurance for physical therapists Most Physical Therapists make their lives a lot easier by purchasing a Miscellaneous Medical Liability package. This type of liability policy includes Professional (Malpractice ...

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How Much Do Pilates Instructors Make + 5 Tips to Earn More

A 2016 Statista study estimated that nearly 9 Million Americans are loyal Pilates devotees. In fact, a survey by Pilates Method Alliance (PMA) showed that Pilates students ... Instructors Are Not Trained #3 - Purchase Liability Insurance For only a few premium dollars per day, you will be able to purchase professional liability insurance ... counsellors, physical therapists, massage therapists, ...

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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 will ...

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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 ... claim happens. Unfortunately, nothing can guarantee that a disgruntled customer won’t sue you. But a Professional Liability insurance policy tailor-made for your company, can help your business stay afloat in the case of ...

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How Will Your Texas Business Benefit from Professional Liability Insurance?

... specialized services should consider adding Professional Liability Insurance to their portfolio. [] ... ... there are exclusions within every Texas Professional Liability Insurance policy including the following conditions that are not covered: Illegal acts Intentional malpractice Property damage Known claims and circumstances ...

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All You Need to Know about Professional Liability Insurance for Architects

... building flashy city skyscrapers. Design professionals bid on many exciting and ... tremendous success, as well as professional growth. Most of the ... 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 damage False advertising Non-employee physical ...

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Professional Liability Insurance FAQs

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

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Professional Liability Insurance

... (whether justified or not). Click here for sample scenarios of Professional Liability Insurance in action. How much does Professional Liability Insurance cost?Premiums through BizInsure can be as low as $47/month ...

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Professional Liability Insurance California

... Home Care Providers and Businesses Yoga Instructors How much does Professional Liability Insurance cost in California On average, the yearly cost of Professional Liability insurance for small businesses in California is ...

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Professional Liability Insurance Florida

... Home Care Providers and Businesses Yoga Instructors How much does Professional Liability Insurance cost A professional Liability policy is a very specialized insurance product, tailored individually to each business ...

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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 ... has gone wrong. What is the difference between General Liability and Professional Liability insurance? Differentiating between General Liability and Professional Liability insurance coverages is essential. It’s a common ...

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Who Needs Professional Liability Insurance?

Professional liability insurance is the one form of business insurance that most professional service ... or not to get insurance for their ... over again. In such a scenario, your client may sue you for the cost of labor and materials. If you have professional liability insurance in place, you will be covered for the costs of this exercise up to the limits of ...

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Professional Liability Insurance Choices for Small Businesses

... in the market for business insurance lately you already know that ... of options. The world of insurance is constantly changing and can ... what ... . One of the things that a lot of people get confused about is what is covered by General, Professional and Cyber Liability insurance. Professional Liability can be a stand-alone coverage or part of a broader Cyber ...

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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 ... and can not meet client expectations. This is where professional liability insurance comes in. In its most simplistic form, professional liability insurance provides protection for the provider, when the client feels ...

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Professional Liability Insurance Texas

... Notary Public Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors How Much Does Professional Liability Insurance Cost? Regardless of the type of industry ...

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What does Professional Liability insurance cover?

... . The architect stamps or signs off on plans that have an error in calculation. What does a professional liability insurance cover? Even if you are not found liable, a claim can have a devastating impact on your business ...

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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 to ...

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How Important is Professional Liability Insurance for Consultants?

... opens you up to potential liability claims. If a client alleges ... a lawsuit and seek compensation. Professional [] ... Breach of contract Undelivered services Missed deadlines Why consultants may need Professional Liability insurance Professional Liability insurance for consultants may be good to have. Consultants typically give their ...

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5 Questions Professionals Should Ask About Professional Liability Insurance

... risks that insurance can typically help address. For business professionals, a Professional Liability policy ... set of liabilities ... Providers Legal Services Personal Trainers Physical Therapists Real Estate Agents These are just a small sampling of the types of professionals who may need Professional Liability insurance. However, you may still have ...

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8 Reasons You Should Have Professional Liability Insurance

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Does a Sole Proprietor Need Professional Liability Insurance?

There are many benefits to working as a sole proprietor. Establishing your business is often simple, as there's just one person you need to worry about (yourself!). ... and occupations, from architects to yoga instructors. How Professional Liability insurance can protect sole proprietors Small businesses of all sizes purchase Professional Liability insurance to protect business. However ...

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The Benefits of Professional Liability Insurance for Small Businesses

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5 Things Engineers Should Know About Professional Liability Insurance

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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 to ...

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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 to ...

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Nutritionist Insurance: Guide Your Patients, Protect Your Practice

... field as a proud medical professional, ready to help make significant ... ... 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 & Omissions ...

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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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How Much Do Dietitians and Nutritionists Really Earn?

... they need to improve their physical and mental health, which can ... ... clients the tools they need to improve their physical and mental health, which can have substantial ... serious malpractice case might come up, which is why it's so important to invest in Professional Liability insurance. ...

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Insurance for Acupuncture Clinics

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

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Insurance for Adult Day Care

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Insurance for Artificial Limb Clinics

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Insurance for Ocularist

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Insurance for Paramedics

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Insurance for Pharmacists

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

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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 ... patients' family members to carry on with their professional work and routine activities in a stress-free manner ... aide liability/malpractice insurance The costs of home health aide liability/malpractice insurance depends ...

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All you needed to know about the cost of Liability insurance for a Home Healthcare Agency

A home health care agency provides an incredible value to a community it serves. Such service makes it possible for the elderly, and other community members who need ... and falls on a wet floor and sprains his ankle Professional Liability coverage and its exposures Unlike the General Liability policy, home health care Malpractice insurance is much more specific. It protects you and your ...

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Insurance for Medical, Health & Sciences

... how much you can save. Professional Liability Insurance (aka E&O insurance) - Medical, Health & Sciences A Professional Liability (aka E&O or malpractice) policy is important for professionals who work on making their ...

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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 ... to buy professional liability insurance that will ... Insurance with additional coverage Nutritionist malpractice insurance policy protects your business against claims of malpractice from your end. It includes physical ...

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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 ... . Home health or personal care aides provide physical and emotional support to the hundreds of thousands ... professional liabilities, and is covered by professional liability insurance, also known as malpractice insurance ...

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Insurance for Personal Trainers

... support to help them reach their physical goals and feel their best. But ... malpractice suit. Did you know? Many fitness clubs won t permit independent contractors on site without evidence of professional liability insurance ...

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Errors and Omissions (E&O) Insurance in Hawaii Explained

Errors and Omissions insurance* can protect professional service providers from potentially devastating ... Malpractice insurance, or in other ... for medical practitioners it may be referred to as Malpractice insurance, or in other sectors it is sometimes referred to as Professional Liability insurance. The basic principle of covering for any errors/omissions ...

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What You Need to Know About Notary Public Liability Insurance

... people put trust in your professional advice and services is prone ... not an exception. Notary Public Liability insurance provides notaries financial ... malpractice or negligence. That is why it is important for a notary professional to have insurance ... reason to be proactive about your professional liabilities and get the right insurance from a well-reputed firm to ensure ...

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Why Do I Need Estheticians Liability Insurance?

... if you are an established professional with years of experience, one ... ... professional liability policy and what does it cover? As the name suggests, a professional liability policy (otherwise known as a malpractice ... lawsuit happens. Esthetician Professional liability insurance is an essential ...

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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 ... kick. The class instructor, an experienced martial arts instructor and a certified personal ... malpractice (or professional liability) claim. A general liability insurance policy excludes any acts done in your professional ...

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Insurance for Nutritionists and Dietitians

... get sick and decide to sue you for malpractice. If their lawyer can find even one ... Professional Liability Insurance. "Insurance For Nutritionists and DietitiansProfessional Liability Insurance (aka E&O insurance)As ...

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Insurance for Financial Services

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Insurance for Legal Services

... insurance coverage for legal services professionals.Sometimes referred to as Malpractice or Errors & Omissions insurance, Professional Liability ... owned business auto liability, and more. BOPs protect physical and virtual ...

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Insurance for Staffing & Human Resources

... Liability insurance policy is critical for staffing and human resource professionals that offer advice or services to others. It is designed to protect against allegations of negligence, error, omission or malpractice ...

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Insurance for Accountants

... 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, misrepresentation or ...

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Errors and Omissions Insurance Florida

... alleged claims of liability that are suspected of happening while working in a professional capacity The following items are NOT covered by your Florida Errors and Omissions Insurance: Intentional malpractice Fraud and ...

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Errors and Omissions Insurance Texas

... should consider purchasing Errors and Omissions Insurance in Texas. Errors and omissions Insurance is commonly known as professional liability insurance. This is a special type of insurance policy that protects you and ...

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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 ... errors and omissions insurance? Errors and omissions insurance (aka Professional Liability insurance ) is designed ... that will not have your insurance kicking in, such as: Deliberate malpractice Fraud, cheating, dishonesty ...

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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 ... Insurance is also referred to as Professional Liability Insurance . It's a customized insurance ... insurance such as: Illegal acts completed by the business or individuals working for the entity Intentional malpractice ...

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Exposing the True Cost of Pilates Instructor Certification

... of working as a Pilates instructor which you will need to ... ... like to earn as a Pilates instructor. From there, you can ... physical therapy and repair. Certified and Ready for Business The final step in your dream of teaching Pilates is to secure a professional liability insurance ...

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Business Insurance Guidelines for Start Ups

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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 ... on 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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Errors & Omissions (E&O) Insurance

... of fault, litigation is expensive, drains time and damages reputation. Professional Liability insurance can protect professional service providers from potentially devastating financial damages resulting from alleged ...

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Insurance for Beauty & Fitness

... Fitness Centers Fitness Instructors Hair Stylists Health Clubs Massage Therapists Nail Technicians Pilates Instructors Yoga Instructors And many more ... "Professional Liability Insurance (aka E&O insurance) - Beauty & ...

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Insurance for Consultants

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Insurance for Crafts, Goods & Manufacturing

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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 Real Estate Agents & Realtors

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Insurance for Technology Services

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Insurance for Writing & Publishing

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Insurance for Yoga Instructors & Yoga Studios

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Insurance for Other Businesses

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Insurance for Videographer

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Insurance for Notary Public

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Insurance for Estheticians

... 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 your business into shape ...

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Architect Liability Insurance

... for your defence expenses, settlements and judged related to the claim. It is important to extend your Professional Liability insurance long after the project has been completed as this is when the cracks can appear, and ...

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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 level ...

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Insurance for Management Consultant

... cover When you're in the business of delivering advice and instructions to your clients, Professional Liability insurance becomes a vital form of protection as a management consultant. It helps by providing protection ...

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What Insurance Do Contractors Need in Chicago?

... in dangerous locations. Hence, the insurance that is required to handle ... ... or physically because of errors or omissions made by your or your employees, they can sue. Professional liability insurance exists so that costs emerging from charges of negligence and error are taken care of. The ...

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What Insurances Do Colorado Businesses Need?

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What Types of Insurance Do Business Need in Illinois?

... will need certain types of insurance policies to cover damages, lawsuits ... ... for unintentional or negligent errors or omissions that result in financial or physical damage. Basically, professional liability insurance protects you against lawsuits from clients that suffered damage due to an ...

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What Types of Business Insurance Do Business Need in Wisconsin?

In Wisconsin, more than 95% of all businesses are small businesses. They employ over a million workers, which accounts for nearly half of the workforce in the State ... all of that. Whatever your reservations about this insurance are, the benefits outweigh them by a mile. Professional Liability Insurance This is a specific case of liability where you are protected when your expertise or ...

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What Kind of Insurances Do Texas Businesses Need?

... some of the common business insurances people consider when starting up ... ... clients, it's in your best interest to consider professional liability insurance. Cyber Liability Insurance Cyber liability insurance is fast becoming an important insurance to consider for all companies. Since many are ...

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Breaking Down the Facts About California Errors and Omissions Insurance

... offered by Errors and Omissions Insurance (aka Professional Liability insurance) helps service-based businesses ... ... offered by Errors and Omissions Insurance (aka Professional Liability insurance ) helps service-based businesses ... right legal team. Personal Trainers Those who provide physical training advice or services can also be held ...

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Want to Start a Career as a Management Consultant? Here is What You Need to Know

If you have decided to take up a career in management consultancy, you have made a smart decision. This is one of the most highly paid jobs you can hold if you choose ... risks by taking out the right kind of insurance. It is beneficial to have professional liability insurance for management consultant s . With professional liability insurance, you and your business are protected from ...

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Did you know?

Many Physical Therapists find limitations to their employers Liability Insurance. You may not be covered if a lawsuit is filed after you end employment.  You also might not be reimbursed for related defence costs or lost wages while defending yourself against the lawsuit.

Insurance for Physical Therapists

Our Miscellaneous Medical Liability package is 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 types of liability insurances is an important safeguard for Physical Therapists. The Miscellaneous Medical Liability package provides all the essential insurance coverage and protection a Physical Therapist needs.

 

Professional Liability Insurance (aka Malpractice Liability Insurance) Physical Therapists

Each year the number of lawsuits filed against Physical Therapists continues to increase. One simple mistake on your part could lead to expensive attorney fees, court costs, and possibly a large financial settlement. To mitigate the monetary damages caused by such a situation, you will require Malpractice Liability insurance.

Malpractice Liability insurance is used by health care professionals to protect themselves from claims of medical negligence. Many States require Physical Therapists to establish a Malpractice Liability policy before they are allowed to begin treating patients.

It is recommended that Physical Therapists working for hospitals, clinics, and rehabilitation centers purchase their own Malpractice Insurance. This is because many employer Malpractice Liability Insurance plans have low limits for their employees which can leave you and your personal assets vulnerable In the event of a claim occurring.

Malpractice Liability Insurance could defend you from the following oversights:

  • Improper use of biophysical agents such as iontophoresis, joint mobilization, traction, or electrical stimulation
  • Errors or mistakes made while treating a patient with manual therapy
  • Incorrect use of therapeutic exercises and equipment
  • Improper management of physical therapy treatment over the course of care

 

General LiabilityPhysical Therapists

The fundamental foundation of all liability coverage is General Liability Insurance. It is there to protect you from third-party claims for Property Damage or Personal (Bodily) Injury resulting from your negligence.  If a patient is accidentally hurt or has their property damaged while attending a treatment session, then you could be held responsible.

If you are a Physical Therapist that owns your own clinic, it is vital that you secure a General Liability Insurance policy to protect both you and your business. A General Liability plan will further safeguard your business if it is named as a third-party in a liability lawsuit.

General Liability claims for any of the following scenarios could be covered:

  • A patient falls over an exercise ball that you forgot to put away resulting in tripping over and breaking their ankle
  • You accidentally knock a water bottle onto your patients laptop, ruining it
  • The treatment table your patient climbs onto collapses and the patient is seriously hurt

A General Liability Insurance policy is intended for payment of lawsuits, investigations, and settlements for which you are found to be responsible. General Liability will not pay for employee injuries, professional liability, intentional acts, or claims not related to your work as a Physical Therapist.

 

Cyber Insurance  Physical Therapists

During accessing and notating electronic patient files, you may run the risk of a cyber-criminal hacking into these confidential files and causing havoc. The patient harmed by this cyber-crime can hold you responsible. This would be harmful to both your professional reputation and your personal finances.

Even when cyber-crime occurs via your employers network, you may still be named as a third-party in a patients claim. In this modern era, it is critical for all Physical Therapists to obtain an independent Cyber Liability policy.

Cyber Insurance will provide you with the financial resources to protect your business from the expenses and legal costs associated with data breaches, which may occur after being hacked or from the theft or from loss of client information.

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