Allied Health

What does it cover?

Professional liability insurance insures a person and/or an entity against claims made by third parties (clients, patients, customers, etc.), alleging negligence in the rendering of, or the failure to render, professional services. Professional services will be defined by the scope of practice of your license, certification or registration for professional services you render to clients or patients.

Cost and applications:

• Premiums start at $500.
• Deductibles start at $1,000.
• Limits available to $$1,000,000 occurrence/$3,000,000 aggregate.
• Please click here to download the Allied Health application.

Claim Scenarios

NOTE: The claims scenarios summarized are offered only as examples. The examples are not intended to establish any standards of care or to serve as legal advice appropriate for any particular factual situations. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy.

1. The Claimant was hospitalized for a serious infection in his mouth resulting in numbness to his cheek. The infection was traced to a cut he received while having his teeth cleaned. The dental hygienist received a lawsuit demanding for medical expenses along with pain and suffering.

Outcome - Lawsuit and settlement totaled $45,000.

2. A group of eight classmates reserved a three hour afternoon spa before their evening 15th year class reunion. Many flew in early planning to spend time reuniting at the spa. The morning of the spa appointment, the spa called the group to cancel their appointment because of a booking conflict. Many felt this was unacceptable and sued for the cost of their airfare to fly in early.

Outcome - Damages of $1200 were paid.

3. The Insured was a natural therapist who treated the Claimant with massage and myofascial stretching. At a consultation the Insured performed massage and stretches of the patient's lumbar, thoracic and neck areas.  Following the treatment, the Claimant suffered a stroke.

Outcome - Claim settled for more than $300,000 with approximately $75,000 in legal defense costs incurred.