Insurance for Acupuncture

Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance), is insurance coverage for claims against businesses that provide professional and personal services – for businesses like yours.

When might it be important to have professional liability insurance for acupuncturists? Here are a few real-world examples to consider:

• Negligence: An acupuncture patient is dissatisfied with the results of her treatment. The patient decides to consult with her general practitioner who tells her that her condition should be resolved with surgery, not acupuncture. The patient sues the acupuncturist for failing to correctly diagnose the problem and the failure to recommend a more suitable practitioner. Professional liability insurance could protect you in such a situation.
• Loss of personal information: By mistake, the receptionist at an acupuncturist's office misplaces a file with sensitive client information. While it was an accident, what's done is done, and the client's information is compromised. If your client sues the business, we may cover claims subject to the limit of insurance.
• Temporary staff and independent contractors: You hire an independent contractor, who works briefly at your acupuncture business. They do acupuncture work for a client who ends up dissatisfied. The client sues you long after the independent contractor leaves your business. In such a case, you would need professional liability coverage to protect you from claims arising from the work done by that independent contractor.

Industry professionals need acupuncturists insurance to be prepared for a wide variety of potential claims that could be brought against them. At Hiscox, we take the protection of patient information very seriously and know that you do, too. This is why acupuncture liability insurance is ideal for all shapes and sizes of businesses. Learn more by requesting a free quote.

General liability insurance, sometimes called Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. When you work as a professional acupuncturist, patients could file claims against you following slip-and-fall accidents that occur in your office or on your property, as well as for lost wages sustained because of those slip-and-fall accidents.

Here are few industry-specific examples:

• Bodily injury: A patient arrives at an acupuncture office for treatment. It's a rainy day, and the patient slips and falls on the waiting room floor, fracturing a wrist and breaking her designer sunglasses. General liability insurance could protect against claims for her injuries and property damage.
• Lost wages: A client trips on a power cord in an acupuncturist's office and falls, breaking his arm. The injury requires that the client stay out of work for an extended period of time. The client insists that the acupuncturist is responsible for his lost wages. General liability insurance could protect acupuncturists against third-party claims of bodily injury, associated medical costs, and property damage.
• Personal injury: While having coffee at the local cafe, a receptionist of an acupuncturist's office is overheard talking about a client in a false and unflattering way. The client finds out about the conversation and sues the firm for slander. The acupuncturist could be protected by a liability policy.

Situations like the above are very unfortunate, but they do happen. Take charge of your acupuncture business and the risks surrounding it with a Hiscox insurance plan.

Learn more about general liability insurance costs for your business.