What is liability insurance?
Business owners face unique risks that could land them in legal trouble. With our industry expertise and a substantial network of top brokers, we can help protect your company with the right liability insurance.
Healthcare Provider Insurance
As a healthcare provider, you know the importance of not just providing top notch care, but also a safe and therapeutic experience for your patients. Investing in the right business insurance can help you meet the needs of patients and clients by protecting you and your business from potential risks.
We offer tailored healthcare provider insurance policies designed to address sensitive concerns like malpractice claims and safeguard your facility from other liabilities, like cyber breaches or equipment breakdowns.
What type of business insurance do I need as a healthcare provider?
Providing medical expertise comes with its own unique set of risks – including treatment-related injuries suffered by a patient. Whether you’re meeting patients in person or virtually, it’s vital that you and your business are protected. A good healthcare provider insurance policy can help ensure peace of mind so you can focus solely on your patient’s needs.
We understand the unique challenges your business may face while providing specialized care and support. Every day, people come to you for advice, guidance, and treatment. As your business evolves, we’re here to help you make informed decisions on how to protect your employees and the patients who depend on you. We offer malpractice coverage for many paramedical and allied health professionals. Speak with your business insurance specialist about what coverages can be offered for your specific business needs.
We can help healthcare facilities with property and liability exposures:
- Dental offices
- Multidisciplinary Health clinics
- Veterinarian clinics
- Psychiatric clinics
- Osteopathic / Podiatric clinics
We can also help healthcare professionals including their medical malpractice:
- Physiotherapists & Registered Massage Therapists
- Speech Therapists
- Hearing Aid Services & Audiologists
- Dieticians
- Optometrists
- Occupational Therapists & Kinesiologists
- Psychologists & Psychotherapists
- Nurses (Registered, Licensed Practical, Practitioner)
What coverages can be included in healthcare provider insurance?
Providing healthcare services is all about people – the patients and family members that depend on your care and the dedicated staff who provide it. In the unforeseen event of financial loss, damaged equipment or property – it’s essential that you can resume your healthcare services quickly, as the care and support your business provides is vital. Here are some key coverages to consider for your protection:
If a patient were to slip, fall, and sustain an injury at your facility, you could be held liable and responsible for their compensation. Commercial General Liability (CGL) insurance is designed to support you in such situations and can help cover substantial legal fees. This coverage can help protect your business if a third party experiences bodily injury or property damage on your premises or wherever your services are provided.
Severe weather, such as heavy rain, can cause significant damage to your business property. Commercial property insurance is designed to help cover the costs of property damage or loss, including repairs or replacement of essential equipment, furnishings, and even the building itself, ensuring your facility can continue providing care without disruption.
Severe weather, such as heavy rain, can cause significant damage to your business property. Commercial property insurance is designed to help cover the costs of property damage or loss, including repairs or replacement of essential equipment, furnishings, and even the building itself, ensuring your facility can continue providing care without disruption.
There are other helpful coverages you can add to your policy to protect your healthcare business, including:
What can you expect from a healthcare provider insurance policy?
Our underwriting team understands the exposures in the healthcare sector, so we can adapt and expand our offerings as our customers’ needs grow.
We hope you never experience a loss, but if you do, you can count on our dedicated claims team to help get you back to business. We’ll work together with your broker to get the claims process underway as soon as your claim is reported, and we’ll always keep you in the loop. If any questions or concerns should arise, don’t fret – we’re here for you 24 hours a day, 7 days a week.
You can enjoy the perks of your policy well before you experience a loss. Our Risk Services team works hard to help keep your business running safely, smoothly, and consistently with detailed bulletins, workplace risk assessments, and onsite training.
Our Assist Services
On top of our comprehensive core coverage and exceptional customer service, your business insurance policy grants you access to our Assist Services* for extra peace of mind.
Risk Management Assist
Our team of Risk Services specialists is at your service: customers can enjoy unlimited telephone access to experts who can help mitigate risks with advice and guidance on a range of loss prevention topics.
Managing your risks as a healthcare provider
With robust expertise in the healthcare sector our Northbridge Risk Services team provides professional guidance and innovative strategies to help you manage risks effectively. Each year, we conduct over 5,000 risk assessments and service calls for businesses across Canada, including assisted living facilities. Our onsite assessments are paired with comprehensive training programs and educational tools designed to help your business thrive.
Our Risk Services team also offers technical publications to help you better understand the unique exposures in your industry. Additionally, they provide personalized guidance to fine-tune your daily operations and enhance safety for both residents and staff. Discover how our risk management experts can support your facility today.
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* Legal Assist not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage, and provided by Assistenza International, through lawyers licensed in your jurisdiction. Risk Management Assist provided by our Risk Services specialists and are intended to augment your internal safety, compliance and risk management practices, and are not a substitute for professional or legal advice. Trauma Assist provided by independent third-party professionals, long-term and specialized counseling not included. Cyber Assist is provided by an independent third-party service provider. Services are not included in any cyber extension or endorsements. Services are not an insurance policy, not all policies are eligible, contact us for details.