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Insurance for Health Professionals


As a health professional you spend your working hours helping people feel and perform better. Every work day for you is different – different from the last, and different from the days of other health professionals. We understand this “differentness” and this is why the insurance for health professionals offered by Hiscox is customized to your specific needs. We cover a range of beauty industry professions, including (but not limited to):


CPR/First Aid

Massage Therapists



Professional liability insurance

Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance), is coverage for claims against businesses that provide professional and personal services – businesses like yours. No matter how studied you are mistakes can be made. Here are two examples that, if they occurred, would wreck financial havoc on a health professional’s small business or private practice:

  • Client injury: A massage therapist performs a deep tissue massage on a client who mentioned some shoulder pain before the massage but assured the therapist it was nothing. While performing a shoulder stretch during the massage, the patient winces and asks the therapist to stop. A day later the client accuses the therapist of causing a torn ligament in his shoulder, which will require costly surgery to fix. Professional liability insurance could protect you if such a claim is made.
  • Faulty advice: A nutritionist is advising a patient on a weight loss program, but after a few months of treatment the patient is diagnosed as pre-diabetic. The patient blames the nutritionist - and he sues for malpractice. Professional liability insurance (errors and omissions) insurance could protect you in such a situation.

You need to know that you can be sued for negligently performing services even if you haven't made a mistake. Professional liability protects you in these instances.


Learn more about professional liability insurance, or start an easy online quote.


General liability insurance

General liability insurance protects you from third-party claims arising from bodily injury (slips and falls), personal injury (libel or slander), and damage to someone else's property. Since small business owners and independent professional in the health field often use equipment, procedures, and products that can accidentally cause harm as well as good, this is coverage they shouldn’t be without. When would a health professional need general liability insurance? Here are two examples:

  • Bodily injury:  After a lengthy massage a client leans on the massage table’s headrest to steady herself as she was getting up. Not designed to support a person’s full weight, the headrest snaps off. The client injures her arm trying to prevent a fall and sues the massage therapist for damages. Hiscox will cover the subsequent claim and related medical expenses up to your general liability policy's limits of liability.
  • Personal injury: A patient arrives at audiology office for a diagnostic test. It is a rainy day, and the patient slips and falls on the waiting room floor fracturing her elbow and breaking the laptop she was carrying. General liability insurance could protect against claims for her bodily injuries and property damage.
    In these scenarios and so many more, a general liability insurance policy will protect you and your health business from the third-party claims, providing legal representation and advice that you’d likely be lost without.


Learn more about general liability insurance. Ready to proceed? Get a quote!


Why Hiscox?

You need professional liability and general liability coverages to watch out for your practice, just like you watch out for your clients. Hiscox is here to do just that.

  • Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
  • Tailored insurance: Insurance custom tailored to meet your needs and save you money
  • Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
  • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
  • Trust your choice: Hiscox maintains a 97% customer satisfaction ranking and we’re rated ‘A’ (Excellent) by A.M. Best.


This overwhelming majority of our insureds are confident in recommending us to their circles – which means they’re more confident operating their businesses with Hiscox behind them. Get a fast, free quote now and get that Hiscox confidence behind your business, too.

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


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