What damages are covered?
- personal injury, property damage and consequential financial losses of third parties
- inventory and electrical damage
- costs for legal disputes
How much will my insurance cost me?
With us you can already insure your secondary health profession
from 8.32 € / monthly
Protected in 9 minutes*
Step 1 – Answer questions about your business
Step 2 – Get a product recommendation and quote calculation
Step 3 – Purchase your insurance directly and manage it 100% digitally
*Depending on the selected insurance product, the start date or the insurance partner.
Insure your secondary health profession reliably
Tailor-made insurance for secondary health care professions
Individual insurance coverage - the advantages of insureQ:
commercial insurance tailored to your risks
non-binding offer calculation in only nine minutes
personal consultation with insurance experts
conveniently handle contract adjustments and damage reports online
ARAG, R+V and Hiscox as insurance carriers and experienced partners
What insurance do I need if I am self-employed in a secondary health profession?
The term "secondary health profession" includes physiotherapists, occupational therapists, dental hygienists, yoga teachers and non-medical practitioners. If you want to make sure that insureQ also covers your field of activity, you can do so in our offer calculation. In order to provide reliable protection, commercial insurance must always be calculated individually for the respective industry and associated risks. At insureQ, there are two different ways to do this. Either have your quote calculated online or determine your needs in a personal consultation with our insurance experts. First of all, we would like to give you a general overview of relevant insurances.
Professional or public liability insurance - which is the right one for secondary health care professions?
Commercial liability insurance is particularly important for self-employed persons in medical professions. In the event of damage, the costs in this area can quickly reach six figures and threaten your existence. The premiums for a liability insurance are usually low. In addition, the insurance cover always includes passive legal protection, which defends against unjustified or excessive claims for damages by opposing parties.
The designation of commercial liability insurance is handled differently from insurer to insurer. At insureQ, professional liability insurance is coverage against purely financial losses, for example due to a consulting error. Public liability insurance, on the other hand, covers physical injury, property damage and consequential financial loss to third parties and is generally more important for ancillary health care professions. This is because a high financial loss due to a consultation is less likely in this professional field.
We recommend that you always pay close attention to what protection your insurance policy contains. A few examples illustrate how important it can be to insure against personal injury, property damage and consequential damage to assets in secondary health care professions.
Examples of damages in the field of secondary health professions
Example 1: As a self-employed yoga teacher, you help your students with a particularly complicated exercise. In the process, a participant injures her neck and even has to go to the hospital (= personal injury). In addition, she cannot work for a few weeks and cannot earn any money during this time (= consequential financial loss).
Example 2: A visitor to your practice damages his expensive jacket on a coat hook in the waiting area. The damage is irreparable and the patient demands compensation for the damage from you (= property damage).
Example 3: A patient insinuates that her back condition has worsened due to your treatment and demands compensation from you. It turns out that the deterioration of her physical condition was caused by a skiing vacation and not by you. The claim is defeated by the passive legal protection.
Commercial legal protection insurance for secondary health care professions
Commercial legal protection insurance - also known as business legal protection insurance - is one of the most essential forms of insurance for the self-employed. Anyone can get into a legal dispute - regardless of whether or not they are at fault. In this case, it is sufficient for a patient to accuse you of a criminal act - for example, tax evasion. Corporate legal protection offers the possibility of standing up for one's own rights with the support of a lawyer. It covers costs incurred as a result of a legal dispute. This includes, for example, court, lawyer or expert costs. The passive legal protection of the commercial liability insurance does not offer sufficient protection here, but only defends against unjustified claims caused by personal injury and property damage.
Content insurance for secondary health professions
Damage from a storm, burst water pipe, or burglary can not only cause a great deal of damage to a practice's equipment, but it can also require work to be interrupted. In both cases, it is worthwhile to have taken out content insurance beforehand. Because: Often, not only damage to inventory and electronic equipment is insured by this insurance coverage, but also business interruption if work has to be suspended due to destroyed premises.
Content insurance: examples of damages for secondary health professions
Example 1: A defective heat lamp causes a fire in your practice. The premises are so badly affected that you can no longer see patients. Content insurance covers both the damage caused by the fire and the costs of business interruption.
Example 2: When your practice is broken into, all the electronic equipment is stolen. Expensive furniture is also destroyed. The damage amounts to several thousand euros. Here, too, contents insurance covers the costs.