Insurance for Acupuncturists
Find out what acupuncturist insurance coverage you need. Compare policies from leading national insurers. Get a quote in minutes.
Insuring over 1 million small business owners worldwide.
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Why Do I Need Acupuncturist Insurance Coverage?
As an acupuncturist, your goal is to protect your patient’s health and well-being, but protecting your practice is just as important. Having the right insurance coverage helps safeguard your business — and your patients — when the unexpected happens.
What Type of Acupuncturist Insurance Coverage Do I Need?
General Liability Insurance
A foundational acupuncturist insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
Workers’ Comp Insurance
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full – or part-time employees. It also can benefit business owners who don’t have employees.
Professional Liability Insurance
Coverage for damages and legal costs for mistakes or negligence claims. This policy is often recommended for businesses that provide advice and guidance to their patients.
Inland Marine Insurance
Also known as Equipment and Business Property insurance, this coverage can protect equipment and inventory financially that is in transport or stored offsite.
What Does Insurance for Acupuncturists Cover?
Just as you guide patients toward balance and wellness, acupuncture liability insurance helps keep your business steady when the unexpected strikes. Without it, you could be left paying out of pocket for patient injuries, property damage, stolen equipment, or employee accidents. We can help you choose coverages to protect against some of these common risks:
Damage to a patient’s property
You’re setting up a portable acupuncture table in a patient’s sunlit living room when your elbow bumps a delicate porcelain vase. It shatters on the hardwood floor. The patient is furious and sues you for damages. A general liability policy could help pay for those types of third-party claims.
Injured or sick employees
Back at the clinic, your assistant rushes to sanitize equipment between patients. She slips and injures her wrist. Adding workers’ compensation to your acupuncturist’s insurance coverage can help cover employees’ medical costs, as well as making up for lost wages if they are unable to work.
It’s often legally required and can protect your business from costly claims, as well as take care of your staff if they get sick or injured on the job. Workers’ comp insurance can help cover medical, rehab expenses, lost wages, and funeral and survivor benefits.
Even if you’re a solo acupuncturist, we recommend workers’ comp since many health insurance policies don’t cover work-related injuries.
Mistakes made in the course of work
As a licensed acupuncturist, you’re meticulous with your work. But mistakes can happen. During a treatment, a patient shifts suddenly, causing a needle to puncture into them too deeply. The patient claims it led to lasting pain and decides to sue. A professional liability policy could help you cover the medical bills and even legal costs.
Damaged or stolen equipment
After a long day of house calls, you return to your car to find the window shattered — your portable acupuncture kit and computer are gone. An inland marine policy can help pay for repairs or replacement if your tools or equipment are stolen or damaged on the go.
Business Insurance
A one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
How Much Does Acupuncturist Insurance Coverage Cost?
Try our Acupuncture Liability Insurance Calculator
Get a quick estimate in just 3 steps.
Answers to More Acupuncturist Insurance Coverage Questions
Is acupuncture liability insurance required by law?
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments for their requirements.
How much does acupuncture liability insurance cost?
The cost for your insurance coverage is largely determined by the type of work you do, the types of risks you’re exposed to, the square footage of your office, and the number of employees you have.
Some other factors can include where your practice is located, how many years of experience you have, and your annual revenue.
We can help find the coverages and prices online for acupuncturist insurance coverage in just 10 minutes right here.
What should I consider before buying acupuncturist liability insurance?
If you’re thinking of buying business insurance, we recommend having the following information on hand by using our acupuncturist insurance coverage calculator:
- State where you do business
- Your type of business or trade
- Annual revenue estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
Why work with Simply Business?
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your tools, equipment and material, we can help find the coverage you need for your acupuncture business.
We provide customized coverage options and quotes from top-rated small business insurers – all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Feel confident about your choice
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.