Acupuncture Insurance

Acupuncture Insurance

If you operate an acupuncture clinic or you’re an independent acupuncturist, it’s essential to protect yourself and your business against potential liabilities with acupuncture liability insurance.

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Acupuncture Professional

Insurance for acupuncture practitioners

For thousands of years, people have used acupuncture as an alternative medicine to relieve chronic pain such as arthritis or existing injuries. Increasingly, acupuncturists have used their methods to aid the treatment of other conditions too, such as anxiety, infertility and asthma.

As an acupuncturist, you know how important it is to be extremely accurate with your treatments – both in the physical treatment and in professional recommendations. There’s always a risk that an incident or allegation could happen beyond your control – even if you do everything to protect the well-being of your clients. That’s why it’s essential to protect yourself, your clients, and your business with an acupuncture liability insurance package.

Acupuncture insurance provides financial coverage for clinics and individual acupuncturists against the risks that could occur within the business environment. It is designed to cover loss or damage to personal property, and product and liability-related events that cause third-party injury or property damage.

Acupuncture insurance includes several insurance policies to provide the full coverage acupuncturists require. Acupuncture insurance will typically include the following coverages:

  • Malpractice Insurance: Also known as professional liability insurance, acupuncture malpractice insurance provides coverage for allegations of misconduct, negligence, or failure to deliver a service as advertised. If a client feels you misdiagnosed their ailment or the acupuncture treatment was ineffective, they could sue you. Malpractice insurance may cover the costs for the lawsuit and any other related fees.
  • Commercial General Liability (CGL) Insurance: CGL provides you with coverage against the common risks that could be encountered while running a business, such as a third-party bodily injury or property damage. For example, suppose a customer slipped on an icy patch on the doorstep of your clinic, is injured, and sues you. In that case, a CGL policy could cover your customer’s medical fees and your legal expenses, regardless of the lawsuit’s outcome.
  • Product Liability Insurance: Product liability coverage protects your business against claims alleging that a product you used during treatment or sold to a client caused bodily injury or property damage. Damages ordinarily covered by product liability are usually the result of a design, manufacturing, or marketing defect, such as an incorrect label or a lack of safety warnings. Say you sell herbal medicines to complement your treatments. You recommend a specific tea to a client, who then claims they had an adverse effect from the tea. If your client sues, product liability insurance may cover you for legal and medical costs related to the claim.
  • Commercial Property Insurance: If you own or rent your clinic, or you’re an independent acupuncturist that travels to their clients, it’s important to have commercial property insurance. This coverage protects your business location and your business-related equipment against an insured event, such as a fire or theft. For example, say you experienced a fire at your clinic, commercial property insurance could provide financial protection for the destroyed or damaged equipment.

The cost of an acupuncture policy is based on several factors about your business. To give you a ballpark figure, you can anticipate policies to start at about $400 a year on a malpractice insurance policy with a limit of $2,000,000.

To find out the cost of a comprehensive policy for your acupuncture business, you can make a quick quote online. We’ll ask you questions about your business that help us to determine what specific coverage you should consider.

Here are some of the main factors insurers take into consideration:

  • Services offered
  • Years of experience
  • Location
  • Claims history
  • Training and education

Any practitioner or business providing acupuncture services should protect their business with an acupuncture insurance policy. We’ve insured more than 1,000 Canadian acupuncturists that offer services such as:

  • Acupuncture
  • Herbal therapy
  • Moxibustion
  • Cupping therapy
  • Tui Na massage

Getting insured is quick and easy!

Complete our 5-minute online application for a free acupuncture liability insurance quote.

Common claims scenarios

acupuncturist working on client

Problem: After an acupuncture procedure, your client says your acupuncture left them with serious bruising. Because of this, they allege that you were negligent in performing their treatment.

Outcome: Your malpractice insurance may cover the $5,000 in legal costs and other related costs.

herbal supplements

Problem: A customer buys some herbal pills that you recommended to treat their condition. Unfortunately, the instructions are confusing and vague – your client sues you when they become ill from taking an excessive amount of herbal pills.

Outcome: Your customer successfully sues your business for failing to provide clear instructions for your products. Your product liability insurance may cover the $10,000 in legal fees and other related costs.

table at clinic office

Problem: While your client is laying down on your acupuncture table, the table collapses. Your client seriously injures their back in the fall and sues your business.

Outcome: Your client successfully sues you for negligence. Your commercial general liability insurance may cover the $20,000 in medical expenses.

Frequently asked questions

Will acupuncture malpractice insurance cover my home-based clinic?

Yes. Acupuncture malpractice insurance provides protection for home-based clinics.

Does acupuncture insurance cover other services that I provide?

Yes, with acupuncture insurance you can extend your coverage for other services that you also provide, such as massage therapy or other traditional Chinese healing. When you make a quote, you’ll likely be asked to disclose other services you offer so you’re provided with the right policy for your business. If you’re unsure whether a specific service will be covered, it’s always best to check with a broker.

How much acupuncture liability coverage should I get?

Liability and malpractice claims can cost thousands of dollars – sometimes even more than that, therefore it’s extremely important to have a sufficient monetary limit should a claim be made against your business. The exact dollar amount depends on factors such as the size of your business and the types of services you provide. When you make a quote with Zensurance, we determine a suggested amount of liability coverage, but you have the option to raise or lower that limit based on your comfort level.

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Ready to start? Let’s get a quote!

You’ve spent your professional life helping to heal others. It’s time you spoke to a licensed broker who is dedicated to helping you protect your business.

If you’re ready to get your free quote, start your online application today. If you would like more information first or you’d prefer to speak with a broker, our friendly team will always help guide you through the process.