Clinic Liability Insurance

Clinic Liability Insurance

Clinic Insurance is a must for Canadian wellness & medical centres who provide treatments to individuals.

If a client is unsatisfied they could file a lawsuit alleging malpractice or negligence.

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What is Clinic Liability Insurance?

As a business owner operating a health or medical clinic, you interact with clients on a physical level and you apply and sell products that may have adverse consequences. Thanks to your services you help clients look and feel their best, but you’re also exposed to liability in case of real or alleged errors, malpractice or injury.

Clinic Insurance should be an important consideration for any practitioner, studio or clinic.

What does Consultant Insurance cover?

What Does Clinic Liability Cover?

This insurance covers most types of wellness professionals. When getting a policy check that you have coverage for:

  • Professional Liability (Negligence or malpractice)
  • Unintentional Breach of Confidentiality
  • Claims of Sexual Harassment or Abuse
  • Products Liability including Beauty and Health Products
What is the cost of Consultant Insurance?

Who needs Clinic Liability Insurance?

If you are a health services practitioner or if you operate a health wellness or medical clinic, you should consider clinic liability insurance.

Some specific practitioners and clinics we cover are:

What is the cost of Consultant Insurance?

How Much Does Clinic Liability Insurance Cost?

The cost of a policy varies according to factors such as:

  • Operation size
  • Location
  • Experience in the field
  • Past insurance claims
  • Training and education

Getting insured is quick and easy!

If Health and Wellness Business insurance is what you need, request a free quote now

Common scenarios where Clinic Insurance is useful:

Memory doctor mistake
You try to treat a client for repressed memories without suitable experience in the required technique. The client later sues you claiming that your treatment lead to the development of false memories.
counselor negligence
As a counsellor, you failed to take adequate notes of what was discussed in the therapy sessions, leading to negligence in your service.
Therapist mistake
Before recommending treatment to a client, you failed to take into account his history of mental illnesses and your recommendation is deemed to be out of context and negligent.

Frequently Asked Questions about Health and Wellness Business Insurance

What is the difference between a counsellor and a therapist and do these professions have different insurance needs?

The terms are broadly interchangeable and may refer to the same practitioner. Generally, counsellor refers to a practitioner who is treating a client over a short period of time (for e.g. to treat negative behavior patterns). Therapist, on the other hand, can be used to refer to the same practitioner when she is treating a client over a long time period (for e.g. therapy sessions for deep-seated or complex psychological issues). Regardless of what the professional designation is, Counsellor Insurance is important to protect the practice.

Do counsellors need both malpractice coverage and professional liability coverage?

Malpractice coverage is a type of Professional Liability coverage that applies to counsellors and therapists. Medical health practitioners such as therapists and counsellors deal with patients that may have a complex history of mental health. As with other medical services, mental health treatment and consultation are highly susceptible to negative outcomes due to negligence. Your Counsellor Insurance policy will usually include malpractice coverage in addition to other important coverages.

Are counsellors who work from home protected by their Home Insurance policy?

A counsellor or therapist is not protected by her Home Insurance if she conducts counselling or therapy sessions at home. At the minimum, counsellors and therapists may consider purchasing General Liability Insurance to protect themselves from being held liable for bodily injuries and property damage to third parties, and Commercial Property Insurance to protect the space and contents of their home being used for commercial purposes.

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