We all are into different types of professions and each one’s job is different from the other. The chances of getting into something bitter is always
We all are into different types of professions and each one’s job is different from the other. The chances of getting into something bitter is always there as the growing number of legal aid to people who want is always shown upfront. Doctors, optometrists, dentists, physiologists and massage therapists have a kind of job that requires perfection. However there are times when things go wrong and you are dragged into unnecessary legal wars by the opposite parties.
Medical office and medical profession business needs constant interaction with the clients. In this way, as a medical practitioner, you are always exposed to several risks as well. Therefore one should always be prepared for all types of potential claims. A medical office insurance has the following features.
Coverage For Property
This gives coverage against all types of direct physical losses that are caused to the property where the business is being carried out. This insurance gives protection against perils such as fire, internal equipments breakdown and all other perils that give rise to the destruction of the property.
General liability is required for all types of businesses that include third party interaction. It is always recommended to have this part covered under any type of policy as this will protect you from getting into unwanted legal battles with customers. General liability protection gives the medical practitioner coverage against the legal costs that a customer might charge on you for sliding down through a slippery corridor in your premises. This includes all other similar types of events as well.
Employees play a major role in running a business. If you are the owner of a medical office, a medical office insurance gives coverage against employee dishonesty. This includes coverage against loss to physical property, personal and business property as well. Loss to securities and money that arise from employee dishonesty is covered under medical officer insurance.
Theft and Robbery
Theft and disappearance of money and securities is a primary concern for all business owners. Any sort of destruction in the premises of business occupancy or theft from the messenger while goods are transported from one place to another can give severe loss to the company as a whole. Such losses are covered under this policy.
Interruption to Business Utility
Sometimes natural calamities can bring obstruction to smooth flow of business operations. Failure of communication due to power breakage, gas leakage or electrical breakdown can be covered under utility interruption. The medical office is indemnified for the amount of loss that the office suffers during the business interruption.
Accidents Arising Out of Signs and Signboards
Accidental direct physical losses due to signs and signboards attached to the premise, indoor or outdoor can sometimes bring sudden claims for the office. Since the person running the business or operating the office is responsible for actions caused due to the damages against any wrong information through signs and signboards, there might be claims and lawsuits against the medial practitioner who runs the office.
A medical office insurance is more like a business owners policy which covers almost all the aspects of an insurance.