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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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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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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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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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5 Things Engineers Should Know About Professional Liability Insurance

... with advice and apply your professional expertise to projects. This creates ... result in a liability claim. This is where Professional Liability ... Let's take a closer look at five things engineers should know about Professional Liability insurance. 1. What is Professional Liability insurance? If you're just establishing your engineering career, you may not be aware ...

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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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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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8 Reasons You Should Have Professional Liability Insurance

... of risks that insurance can often help ... Professional Liability insurance may be an essential part of this protection. What is Professional Liability ... and judgements, so you don't have to pay out of pocket. 6. It can protect your professional reputation Professional Liability insurance can help protect you financially, but it can also help protect your reputation as a ...

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The Benefits of Professional Liability Insurance for Small Businesses

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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 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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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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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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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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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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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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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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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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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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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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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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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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Architect Liability Insurance California

... financial pressure lies in the protection of Professional Liability insurance. What Is Professional (E&O) Liability Insurance For Architects? Professional Liability Insurance for Architects protects designers and design ...

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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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How Much Does Consultant Liability Insurance Cost?

... another minute waiting to buy Liability insurance. After [] ... and Why? It'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 ...

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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 ... physical ... professional liability policy. Professional liability personal trainer insurance What is professional liability personal trainer's insurance? As the name implies, personal trainer professional liability insurance ...

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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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General Liability Insurance

... physical product? Provide physical services to others? If you answered 'Yes' to any of these questions, General Liability Insurance ... online quote now&or call one of our licensed professionals at 1-877-900-9998 to find out ...

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Why Do I Need Accountant Liability Insurance?

Accounting professionals make the confusing, arcane and ... understandable. To do this, accounting professionals must keep up with laws ... ... 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 are ...

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What Is Estheticians Liability Insurance

As a professional esthetician, you provide services to ... ... 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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Architect Liability Insurance

... your business can withstand the financial pressure of a lawsuit lies in the protection of Professional Liability insurance. Bizinsure's architecture coverage is applicable for a range of professions including: Architects ...

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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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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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How Much Does Pilates Instructor Liability Insurance Cost?

... to protect your business with liability insurance. After investing so much already ... ... s normally recommended 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 ...

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The Complete Guide to Yoga Instructor Liability Insurance

As a yoga instructor, chances are you probably don' ... much time thinking about yoga instructor liability insurance. You probably spend most of ... ... costs if 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 ...

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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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What is Accountant Liability Insurance?

... much time thinking about Accountant Liability insurance. Your work days are filled ... ... when you haven't done anything wrong. This is where defense costs coverage comes in as part of Professional Liability insurance. The cost to defend a lawsuit can put many small accounting firms right out of business. It ...

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Why Do I Need Pilates Liability Insurance?

... leads you to believe Pilates instructors probably get sued because they ... ... in your professional Pilates skills and believe no mistakes will be made so no need for liability insurance. However, if you have plans on growing your business and hiring additional Pilates instructors, doesn't ...

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Engineer Liability Insurance

... of a lawsuit or claim against you lies in the protection of critical insurance products including: Professional Liability (E&O) Covers your business against claims of negligence, misrepresentation or mistakes. Workers ...

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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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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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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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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 ... into your bottom line. What Is Professional Liability (E&O) Insurance for Pilates Instructors? Professional Liability (Errors & Omissions) insurance is different than General Liability because it's meant to protect your ...

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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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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 ... of physical injury or physical property damage from the operation of your business premises. However, the largest exposure for Accountants comes from professional liability. Making sure you have the proper insurance to ...

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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 ... into. Should you look at personal liability insurance? Professionally liability insurance? Errors and Omissions Insurance Professional liability, also called Errors and Omissions Insurance, protects your business against ...

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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. ... what factors affect the cost of your premium. Without further ado, let’s begin! How much does Professional Liability insurance cost? We would love to give you a concrete answer to this question! Unfortunately, the answer ...

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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. ... , an attorney still needs to be hired and paid, legal fees are still due and so on. A Professional Liability insurance policy will respond regardless of your fault. All this can add up to hundreds of thousands of dollars ...

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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 ... hits, that annual premium that you paid will save you thousands if not hundreds of thousands of dollars. Professional Liability insurance was created to help you get back on your feet if you are sued. Whether the lawsuit ...

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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 ... 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 you provide professional services for a fee, such as consultants ...

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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 ... The answers to these questions will highlight why it is so essential to have an Esthetician's Professional Liability insurance policy. Let's start with answering the second question, first. I know what I am doing, would ...

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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 ... this situation could place on your company is by securing liability insurance. Professional Liability (E&O) Insurance for Consultants Defined Professional liability insurance is also known as Errors & Omissions (E&O ...

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What Types of Insurance Do Engineers Need in California?

... could open you up to liability claims and lawsuits. [] ... ... of your services, products or employees. What does Professional Liability insurance cover? Professional Liability insurance provides coverage for a number of liability claims that California engineers may face on the job ...

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Insurance for Consultants

... Consultants Research Consultants Training Professionals And many more ... "Professional Liability Insurance (aka E&O insurance) - Consultants, Coaching & TrainingA Professional Liability insurance policy is critical for ...

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Insurance for Writing & Publishing

... Writers And many more ... Professional Liability Insurance (aka E&O insurance) - Writing & Publishing A Professional Liability insurance policy protects writing & publishing professionals against allegations of copyright ...

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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 ...

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Insurance for project management

... Managers Technology Project Managers IT Project Managers And many more Professional Liability Insurance (aka E&O insurance) Project Managers A Professional Liability insurance policy is critical for those who are in the ...

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What Types of Insurance Do Engineers Need in Texas?

Texas engineers provide vital services that help maintain the state's infrastructure, contribute to scientific innovation, and keep the state on the cutting edge of ... need (or want) Your claims history The risk management procedures you've put in place When applying for Professional Liability insurance, it's important to be clear and honest about the work that you do. Not only will ...

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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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Errors and Omissions Insurance California

... Omissions Insurance, which is also called Professional Liability Insurance, is ... Instructors How much does Errors and Omissions Insurance cost In California, though the annual average cost of Error and Omissions Insurance ...

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What is Errors and Omissions Insurance for Real Estate Businesses?

... unique risks. Clients rely on professionals in the real estate industry ... ... help protect your real estate business. What is E&O insurance for real estate businesses? A E&O insurance policy (also known as Professional Liability insurance) is an essential policy that protects you and your company ...

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Insurance for Beauty & Fitness

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Insurance for Personal Trainers

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Breaking Down the Facts About California Errors and Omissions Insurance

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What is Errors and Omissions insurance?

Any business, no matter how successful and well-managed, can potentially make errors in delivering its services, or even fail to deliver its services, for a number of ... cases, perhaps save your business by providing professional liability coverage. Errors and Omissions insurance, otherwise known as Professional Liability insurance , protects your business against claims of negligence ...

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What Insurance Do Real Estate Agents Need in California?

... , there are many types of insurance that [] ... . Professional Liability insurance can ... insurance will cover their medical bills. It will also cover some of their lost income if they're unable to work because of the injury, as well as rehabilitation or physical therapy ...

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What types of insurance is needed for events?

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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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Project Management 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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Interior Designer 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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Environmental Consultant 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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Your Guide to Choosing the Best Small Business Insurance

... 're starting a small business. Insurance is one area where small ... ... that many small businesses in different industries have. These include: Professional Liability insurance can protect professional service providers from potentially devastating financial damages resulting from alleged ...

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4 Ways Errors & Omissions Insurance Can Protect Real Estate Agents

... professional reputation and earning potential in jeopardy. Fortunately, Errors & Omissions insurance ... E&O insurance for real estate agents ... can help protect real estate agents. What is E&O insurance for real estate agents? Also known as Professional Liability insurance, an Errors & Omissions (E&O) policy protects your business against claims of negligence ...

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Insurance for massage therapists

... to a settlement Costs and expenses related to a judgment Professional Liability Insurance (aka E&O insurance) Massage Therapists A Professional Liability insurance policy is critical for those who are in the business ...

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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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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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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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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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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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