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One in 45 small business owners experience a claim
Based on Hiscox claim data from 1/1/2016-1/30/2019
Eligible Professions
- Acupressure services
- Acupuncture services
- Audiology
- Diet/nutrition services
- First aid and CPR training
- Home health aide
- Massage therapy
- Personal care aide
- Personal training
- Yoga/Pilates instruction
Common Risks for Health and Wellness Services
- Bodily injury
- Defamation, libel, slander
- Dissatisfied client
- Emotional distress
- Negligence
- Third-party property damage
- And much more
The Curcuru Agency Bundle for Health and Wellness Services
PROFESSIONAL LIABILITY (PL)
Also known as errors and omissions, or E&O, coverage, this protects you from claims of negligence during the course of conducting business. You’re protected even if you haven’t made a mistake.
GENERAL LIABILITY (GL)
Protects your business from a third party’s claims of bodily injury, property damage, and personal injury like slander and libel.
Claim Scenarios for Health and Wellness Services
PL CLAIM EXAMPLE
Negligence:
Following a personal training session, one of your clients feels dizzy, experiences chest pain and has to be rushed to the hospital. The client later claims that you caused her heart attack and mental anguish. Professional liability protects personal trainers against claims of negligence and will appoint an attorney to defend you, if needed, even if you haven’t made a mistake.
GL CLAIM EXAMPLE
Property damage:
You are a massage therapist visiting a client’s home for an in-home massage. While setting up, you accidentally knock over a laptop, breaking it. General liability insurance protects against third-party claims of property damage, and would cover the cost to fix it.