Audiologist Insurance

Audiologist Liability Insurance

Audiologists require a comprehensive insurance policy that’s college-approved to protect themselves from the professional and medical risks they face.

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Zensurance - Audiologist

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Audiologist

Insurance for audiologists

Audiologists are health care professionals who help identify and manage their patients’ hearing, balance, and other neural systems disorders. Insurance for audiologists is mandatory as it is required by your provincial college.

Audiologist insurance is a form of medical malpractice insurance. It’s a customized policy that’s designed to provide audiologists with financial support if they are sued or accused of causing third-party bodily injury to their patients because of negligence, errors, or mistakes.

Our audiologist insurance covers the most common set of risks in this profession, including claims stemming from misdiagnosis, third-party injuries resulting from treatment, and conflicting diagnoses and treatments from other practitioners. A typical policy for audiologists may include the following coverages:

  • Medical Malpractice Insurance: Medical malpractice insurance protects you from allegations of misconduct, negligence, and errors as well as claims of financial loss resulting from your services or failure to deliver a service as agreed.
  • Commercial General Liability (CGL) Insurance: CGL provides financial cover for third-party bodily injury or property damage claims or lawsuits because of your clinic’s regular activities. For example, if a patient visiting your office trips, falls, and suffers an injury, CGL is designed to pay for their medical expenses as well as compensation damages and your legal defence fees if you’re sued.
  • Equipment Breakdown Insurance: If you own or rent expensive audiology testing equipment and keep it at your office, you should protect it with equipment breakdown insurance. This type of coverage pays for equipment that malfunctions due to a mechanical or electrical issue, including damage caused by power surges or electrical shorts. Equipment breakdown insurance also applies to repairing or replacing office equipment such as computers and photocopiers if they malfunction because of internal damage.
  • Commercial Property Insurance: Commercial property insurance covers your office, clinic, or facility as well as its contents, furnishings, electronics, and inventory if damaged or destroyed by fire, flood, severe weather, vandalism, or theft.
  • Legal Expense Insurance: Hiring and retaining a lawyer is expensive. Legal expense insurance provides funds to do so as well as access to legal advice with an experienced lawyer on a broad range of business-related issues. It also includes coverage for things such as tax protection, employment or contract disputes, debt recovery, and statutory licence protection.
  • Cyber Liability Insurance: If you own a medical clinic, it’s wise to include cyber liability protection since you are responsible for protecting your patients’ confidential and financial data. Cyber liability insurance includes coverage for damages resulting from cybercrime such as a cyber-attack or data breach, including the costs of litigation and restitution.

Speak to a Zensurance licensed broker about customizing your policy to suit your needs.

The cost of insurance for audiologists depends on several factors insurance companies consider determining a price for your policy, including:

  • The services you provide
  • The type of audiology testing equipment you own
  • Number of employees
  • Years of experience
  • Location
  • Your training, certification, and licences
  • Your annual and projected revenue

All audiologists in every province who provide audiology testing, medical advice, and related services require audiologist insurance to protect themselves.

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

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Common claims scenarios

audiologist malpractice

Problem: You misdiagnose a child’s condition, leading to their health issue becoming more severe. The child’s parents sue you for the misdiagnosis and negligence.

Outcome: Your medical malpractice insurance may pay the cost of the child’s medical expenses, your legal fees, and any compensation awarded to the family by the court.

elderly injury

Problem: While visiting your clinic, an elderly patient loses their balance, falls, and injures their wrist, requiring medical attention.

Outcome: Your commercial general liability insurance may pay for the injured patient’s medical expenses.

building damage flood

Problem: Overnight, a water pipe in your clinic bursts, causing significant flood damage to your facility, including the audio testing equipment.

Outcome: Your commercial property insurance may pay to repair or replace the damaged audio testing equipment, repairs to the burst pipe, and the cleanup costs for water damage to your clinic.

Frequently asked questions

How necessary is it to include cyber liability insurance in my audiologist insurance policy?

It is highly recommended you include cyber liability protection in your overall policy. While every industry or business is vulnerable to cyber-attacks and data breaches, research says healthcare businesses are four times more likely to be targeted by cybercriminals than other businesses.

Commercial property insurance includes coverage for my clinic’s contents, electronics, and furnishings. Does that include covering my audiology testing equipment such as an audiometer if it is damaged by a power surge?

No. Commercial property insurance covers your clinic and its contents, inventory, and electronics if damaged by flood, fire, vandalism, or theft. To protect expensive audiology testing equipment from internal damages caused by a short circuit or power surge, you need to add equipment breakdown coverage to your policy.

Does audiology insurance include coverage for hearing aids that my clinic sells to our patients?

If your commercial general liability coverage includes product liability insurance, then yes, the hearing aids and other products your clinic sells are covered. However, check with your broker and make sure you have product liability coverage. If you don’t, you can add it to your policy.

Other health and wellness professions we insure:

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The last thing you want to hear about is an accident or lawsuit that knocks your audiologist business off balance.

Fill out an online application to get a free quote for audiologist insurance. Our licensed brokers will shop our partner network of more than 50 insurance carriers to find you the policy you need.

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