Coverage overview
Insurance for your appointments and your business.
We help you select the policies that address your services, premises, and employees. Our comparison explains where those policies meet and which exclusions need attention.
Professional liability
We compare professional liability for allegations about your instruction or treatment, including which practitioners and services the wording covers.
We write the submission around the services you provide. Personal instruction and clinical treatment can call for different professional liability forms, even when they happen at the same address.
For healthcare practices, we look specifically at medical professional liability and the treatments described in the proposal. A generic errors-and-omissions form may not cover that work.
What we check
- We match the insured services description to your treatment or class list.
- We identify how the business and its practitioners are insured, including contractors.
- We check claims-made dates and reporting conditions when comparing replacement policies.
General liability
We shop general liability for visitor injury and property-damage exposures, with the requirements of your premises in view.
A fall in reception and an allegation about treatment may reach different policies. We read general liability exclusions against your services so professional work is not left to a premises policy that excludes it.
We compare your lease with the proposed endorsements. If a landlord needs additional-insured status, the policy wording must support it; a certificate alone does not create that status.
What we check
- All premises and locations used for classes or appointments.
- Lease requirements for additional insureds and the endorsements offered.
- Professional-services or participant-injury exclusions affecting your activities.
Workers’ compensation
We prepare workers’ compensation submissions using your staff’s actual duties and payroll, including changes in hiring or hours.
Reception work differs from instruction or hands-on care. We help organize staff duties and payroll for the submission, then explain the classifications and audit terms in the proposals.
When a practice uses both employees and independent practitioners, we identify the arrangements that need closer attention. Calling a worker a contractor does not settle employment or insurance treatment.
What we check
- Employee duties, including work split between reception and client services.
- Payroll estimates that reflect current hours and planned hiring.
- Audit requirements and employers-liability terms in each proposal.