Coverage overview
The appointment is one event. The exposures are different.
Use these starting points to frame a discussion about your operations. Actual coverage depends on the policy issued, its conditions, and its exclusions.
Professional liability
Look at how a policy describes your services and who is included when a client or patient alleges an error in that work.
Professional liability needs to fit the work being performed. Personal instruction, hands-on services, and clinical treatment should not be treated as interchangeable descriptions in a submission.
For a healthcare business, ask whether the proposed form addresses the actual treatment involved. A generic errors-and-omissions policy should not be assumed to cover medical professional liability.
Bring into the review
- Compare the covered-services description with your current service menu.
- Identify whether the business, individual practitioners, and contractors are included.
- If the form is claims-made, review its retroactive date and reporting conditions before replacing existing coverage.
General liability
Review premises-related injury and property-damage exposures alongside the requirements in your lease.
A visitor falling in the reception area raises a different coverage question from an allegation about treatment or instruction. General liability is a starting point for premises exposures, subject to the policy terms and exclusions.
Read a landlord’s insurance clause together with the proposal. A certificate is evidence of coverage; it does not change the policy or create additional-insured status on its own.
Bring into the review
- Include every location and any off-site classes or services in the discussion.
- Check required additional-insured endorsements against the lease wording.
- Ask how professional-services and participant-injury exclusions affect your operations.
Workers’ compensation
Discuss employee injury exposures using actual job duties, payroll, and your staffing arrangements.
Front-desk duties, instruction, and hands-on care describe different work. Bring an accurate breakdown of responsibilities so the submission reflects what people do throughout the day.
Calling someone a contractor does not settle their treatment for employment or insurance purposes. Flag mixed staffing arrangements for review and keep the payroll records needed for a policy audit.
Bring into the review
- Describe staff duties and work locations rather than relying on job titles alone.
- Keep payroll estimates aligned with hiring and changes in hours.
- Ask how the proposed policy handles audit information and employers-liability coverage.
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