Insurance Protection for Your Chiropractic Office
As a licensed N.C. chiropractor, you have invested research, time, and money in your education and profession. You did this so that you can treat your patients with the type of care they deserve. Each patient situation is unique just like your business. That’s why you devote your time to determine the right type of treatment plan suited for your patients’ needs. Concentrating on your patients is what makes your business so successful. Have you put the same type of concentrated effort into choosing the right business insurance protection for your chiropractic office?
Key Coverage Options to Protect Your N.C. Chiropractic Business, but Not Limited to:
You focus on the health and wellness of your clients with your unique business. As a licensed chiropractor, you understand that it takes time to build a business reputation. However, keep in mind that, in order to grow a business, it is essential to have business insurance specifically tailored to meet all your unique business needs. Without the right type of foundation/protection, your business could close.
Business Property- Before you open the doors, it is recommended you invest in a basic BOP (Business Owners Policy) that is designed to include business property and general liability under one N.C. insurance policy. A BOP is key insurance protection for a small chiropractic business like yours. The design protects your business structure along with the contents inside the building. Imagine if your chiropractic office has a fire that damages your building and its contents. It would be catastrophic; however, knowing that you have a BOP in place is priceless. A Business Owner’s Policy protects your computers and software, medical equipment, office equipment, and computer data.
General Liability- General liability is essential when it comes to protecting your patients from injury or damages while at your location. Bodily Injury Coverage falls under this type of coverage and applies to injuries someone sustains while on your business premises, such as a “slip and fall” in your lobby. Without this protection, YOU will incur liability for all related medical expenses and any loss of wages that person incurs due to the injury. General Liability insurance coverage includes Property Damage Coverage, designed to protect your clients/customers against any property damage(s) that occur on your business location.
Professional Liability- This commercial insurance, otherwise known as Malpractice, is essential for chiropractic business owners. Your patients trust and rely on you for procedures and medicines, yet mistakes happen. If you aren’t adequately protected, a lawsuit for a professional mistake can ruin your business reputation and deplete your assets. This type of insurance protects you from costs associated with legal action resulting from a professional error (warranted or not) during the scope of caring for a patient.
Business Interruption- If you suffer a loss that results in a business shutdown, having this coverage is essential if you want to continue the expected business income and the costs associated with getting your business office operational again. Note that some exclusions may apply, so we recommend contacting your local N.C. independent insurance agent for details.
Other Coverage Options for Your Chiropractic Business Insurance
- Workers Compensation
- Data Compromise
- Commercial Auto
- Business Equipment Breakdown
- Employment Practices Liability
- Umbrella
Minimize Risks; Optimize Protection
This is our goal at Paramount Insurance Agency. Your N.C. chiropractic business is unique and your business insurance protection should be as well. Paramount Insurance Agency understands small businesses like yours, and we are here to assist you in providing coverage tailored specifically to all YOUR business needs. Call us TODAY at 336-869-3335 to get the right business insurance for your N.C. chiropractic office.