Will Acupuncture Malpractice Insurance Cover My Home-based Clinic?
If you run an acupuncture clinic out of your own home, you still need to acquire acupuncture liability insurance as it is required by law in most provinces in Canada and you will not be able to get licensed without it.
You will also need to inform your home insurance provider about your business venture. If any of your business property should be damaged, or if a client hurts themselves while visiting your property (such as slipping while coming up your driveway), any claim you would need to file would have to fall under your commercial insurance policy, and not your personal insurance.
Your home or tenant insurance provider should be aware of your business activities but note that any work you conduct in a home-based clinic should be insured adequately under a separate acupuncture business policy. You may need to purchase separate coverage in addition to your acupuncture malpractice insurance for your supplies or general liability.
Does acupuncture liability insurance cover other services that I provide?
It depends on the scope of your policy. Your acupuncture liability insurance may cover you for any claims made against your business alleging negligence, errors, and omissions, but it helps to pay attention to the wording in your policy and see what everything includes.
Professional liability insurance is technically suited to any professional service or advice, but if you offer additional services, such as the diagnosing ailments, disorders, and dysfunctions, you may need to disclose that to your insurance provider to ensure it can be covered.
If you sell any products, such as at-home remedies, ointments, salves or otherwise, you may need to purchase separate insurance to protect your liability stemming from those products. Product liability insurance can cover you if your products cause injury or illness to customers and, similar to your acupuncture liability insurance, can cover lawsuit expenses, like defense costs, settlements and judgement awards.
Your best bet is to work with an insurance professional to go over your business, what it offers, and make sure that your insurance accurately reflects your business’ needs and exposures.