As summer comes to a close, it’s a great time to reflect on the vital insurance topics we’ve covered. If you manage a medical office, chiropractic clinic, or any other professional healthcare facility, ensuring that your insurance policies cover every aspect of your business is essential for long-term success. Kastner Insurance spent the summer diving into some of the most critical insurance issues that every business owner in the healthcare sector needs to understand. Here’s a wrap-up of our summer content, highlighting the key points from each blog post.
One of the first topics we covered this summer was general liability insurance. For medical offices, general liability is an absolute must. This coverage protects against common risks like slips and falls, which could lead to costly lawsuits. General liability covers claims related to bodily injury, property damage, and even advertising injuries. This type of insurance is often the foundation of a solid insurance package, especially for healthcare providers who interact with the public daily.
Learn more about the importance of this coverage in our post, What Is General Liability Insurance?.
Medical offices rely on specialized, expensive equipment to provide patient care. The cost of repairing or replacing this equipment can be high, especially if it breaks down unexpectedly. Kastner Insurance tackled this issue in the blog post, “How Can I Protect My Equipment?”. We explored the various types of insurance policies that can protect your assets, including equipment breakdown insurance. Whether you’re insuring MRI machines, X-ray machines, or computers, having the right policy in place can save you from significant financial setbacks.
If you want to learn more about how to protect your equipment, check out How Can I Protect My Equipment?.
No matter how safe your medical office is, accidents can happen. Workers’ compensation insurance ensures that your employees are protected if they’re injured on the job. From slipping on a wet floor to experiencing repetitive stress injuries, workers’ comp coverage provides financial support for medical treatment and lost wages. Kastner Insurance’s blog post on workers’ comp outlines why this coverage is critical for medical offices, where employees may face physical and mental stress on a daily basis.
Read more about workers’ comp coverage in our post, Why Does a Professional Office Need Workers’ Comp Coverage?.
A question that comes up frequently is whether general liability covers employees driving their own vehicles for work purposes. The short answer is no—this is typically covered under a non-owned auto liability policy. Many medical offices send employees to deliver supplies or visit patients, and it’s crucial to understand the gaps in general liability coverage when personal vehicles are involved. This topic is essential for those running mobile services or clinics with off-site operations.
To explore this in detail, visit Does My General Liability Cover My Employees If They Are Driving Their Own Car?.
Chiropractors face unique risks when providing services, making professional liability insurance vital. This type of insurance protects against malpractice claims and covers legal defense costs if a patient files a complaint about the care they received. The healthcare industry, and chiropractic practices in particular, can be prone to legal disputes. Having professional liability insurance helps chiropractors continue their practice confidently, knowing they’re financially protected.
If you want to know more about professional liability for chiropractors, read our post, What Is Professional Liability Insurance for Chiropractors?.
Founded in 2017, Kastner Insurance Group is a full-service, independent insurance broker based in Lafayette, LA. Our insurance agents specialize in offering a variety of insurance products tailored to individual and commercial needs, making sure clients receive personalized and comprehensive coverage options from a variety of insurance companies/insurance carriers.
With over 43 years of combined experience, the team at Kastner Insurance Group is dedicated to providing expert advice and exceptional service. They proudly serve professional offices and businesses across Lafayette city/parish, Youngsville, Broussard, Baton Rouge, New Orleans, Alexandria, Acadiana, and statewide in Louisiana.
Call us today or visit our website for a customized quote.
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