Insurance Tips for Doctors, Clinicians and Other Healthcare Workers

About Me

Insurance Tips for Doctors, Clinicians and Other Healthcare Workers

If you have your own healthcare practise, you may need coverage for your office space, for medical malpractice, for any cars or outreach vans that you use as part of your practise and possibly for other elements as well. If you are a medical health professional with questions about insurance, take some time to explore this blog. Hi, my name is Nancy, and through my life, I have played a lot of different roles (mum, homeowners, nurse, business owner, spouse, etc.). Through all of them, I needed different types of insurance, and because of that, I have learned a lot about insurance. Want to read about insurance? Look through these posts -- feel free to share if you like them!

Latest Posts

Making Sure Your Public Liability Insurance Works For You
19 January 2023

When your business involves interacting with membe

Why Add Glass Insurance to Your Store's Policy?
23 February 2022

If you own a retail store, then you need various t

Tips to Consider When Searching For Public Liability Insurance
15 November 2019

If you own a business, it is your responsibility t

Does your business need more insurance?
21 November 2018

If you run any type of business, you should consid

4 Risks Management Liability Insurance Protects Against
23 January 2018

It is important for business owners to acquire man

Making Sure Your Public Liability Insurance Works For You

When your business involves interacting with members of the public, there's a risk you'll face a public liability claim. It's easy to fall into the trap of either thinking you don't need insurance or purchasing the wrong type for your business. Using a few simple tips, you can ensure your public liability insurance works for you. 

Accepting You Need Insurance

Don't assume that you won't need insurance if members of the public rarely visit your premises. Public liability is designed to cover anybody who isn't an employee. Even if people who aren't employees rarely visit your site, you need to frame their presence in terms of legal costs. It only takes one accident that involves a member of the public for your costs to become difficult to manage. Public liability cover ensures you can fund lawyers and successful compensation claims. The cost of funding lawyers alone is often enough to cripple some businesses, so don't leave anything to chance.

Getting The Right Cover

Using a comparison site is certainly a good way to get a rough idea of what your insurance should cost. However, unless your business is incredibly generic, it's best to seek legal advice. In some cases, businesses are generic. If you're running a cafe that doesn't have any unusual operations, you may be able to buy an off-the-shelf product. However, if you're operating in riskier areas, speaking to a professional is the best way to tailor your policy. Such areas may include medicine, aesthetics, and construction. Consulting a professional ensures you don't purchase unnecessary policies that may provide you with the wrong type of cover. It allows you to get the most comprehensive cover possible so you can avoid financial difficulty if something goes wrong.

Add On Needed Extras

Your insurance policy might not cover certain areas, but you may be able to add them on as extras. A common example is adverse weather events, such as flooding. Flooding can result in significant disruption to your business and it may inadvertently affect your customers if you can't provide them with services. However, not all insurance policies cover adverse weather events, so if you're in an area where they're likely to occur you should consider adding them on. Similarly, you might want to add insurance to cover any accidents that your employees cause when operating under your name without permission. Always remember, even if a legal battle is likely to succeed, you may lose a lot of money fighting it. As such, having insurance to cover legal costs is always worthwhile.