insureQ

Tailor-made insurance for secondary health professions

  • customized commercial insurance
  • non-binding offer calculation 
  • conclude and manage online
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What damages are covered? 

  • personal injury, property damage and consequential financial losses of third parties
  • inventory and electrical damage  
  • costs for legal disputes
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How much will my insurance cost me?   

With us you can already insure your secondary health profession

from 8.32 € / monthly

Want to know exactly how much your customized insurance will cost? With just a few details, we can calculate your insurance costs. 
man next to clock showing nine minutes

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

Whether physiotherapist, dental hygienist, alternative practitioner or yoga teacher - anyone who is self-employed in a healing profession bears industry-specific risks that should always be covered by appropriate insurance protection. This way, severe financial consequences for your own self-employment can be averted. In our online process you can calculate which insurances you really need. Best of all, it only takes nine minutes and saves unnecessary costs.

Tailor-made insurance for secondary health care professions

Although suitable risk insurance is essential for every self-employed activity and every business, complicated technical terms and lengthy processes often make it difficult to find the right insurance. This is where insureQ has a clear advantage. With technological support, we can determine risk-specific coverage for your business by asking specific business-related questions. This way you are reliably protected at all times, know which insurances you really need and avoid over- or underinsurance, which is often associated with unnecessary costs.

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 - 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.

What does insurance for secondary health care professionals cost?

The costs of an insurance for secondary health professions can vary depending on the professional group, the size of the practice and the selected coverage amount. Therefore, we cannot tell you the exact costs in this article. We first need to know what you do for a living and whether you work alone or together with employees. For an initial calculation, we recommend our online process, in which you can find exactly the insurance coverage that fits your risks - including an exact cost calculation. Get your no-obligation insurance quote in just a few minutes.