Medical Office Insurance
Medical offices are staffed by nurses, doctors and physicians of all different specialties. The office might be for dentists, dermatologists, general physicians, veterinarians, gynecologists, podiatrists or for other types of medical specialties. Employees of a medical office are responsible for maintaining patient records, billing for services provided, scheduling appointments, and handling laboratory testing results. The risks for a medical office include liability for injuries occurring in the office, unexpected events causing damage to the property, and crimes committed by the employees.
Protect your business from risks by getting medical office business insurance.
There are multiple types of business insurance policies for medical offices. Choose from the following policies to get maximum insurance coverage:
Medical Office General Liability Insurance
The first business insurance you will get for your medical office business is general liability insurance. This protects you from legal or medical costs when a patient is injured on your premises. Premises liability I the most important coverage for medical offices, though for other businesses it includes products and completed operations as well. If your newly waxed floor doesn’t have a warning sign and a patient slips and falls, the medical costs are covered by the general liability policy.
Medical Office Professional Liability Insurance
One of your biggest risks when operating a medical office is that of mistakes or errors made. In a medical office, this could be something like a malpractice lawsuit or an administrative or laboratory error. Any damage it caused your patient would therefore be your responsibility. Cover these risks with a professional liability insurance policy. It doesn’t prevent legal action from being taken, but it will cover any medical or legal costs associated with the claim.
Medical Office Papers and Records Insurance
All medical offices rely on the paperwork, files and records of patients. These are vital to having a successful office. If something occurs that destroys your records and paperwork, it could mean a significant loss. Protect your business from losing records, patient medical information, or damage to important papers by getting a valuable paper and records insurance policy as a critical part of your medical office business insurance bundle.
Medical Office Commercial Auto Insurance
Any time you or an employee uses a vehicle for business purposes, business auto insurance should be there for protection. A collision, vandalism or theft could cause significant loss if you don’t have adequate auto insurance. Business auto insurance provides coverage for these types of events while on the road, whether it be a fender bender, major accident including bodily injury, or theft of supplies from your vehicle.
