It depends on the nature of the injury, but workers’ compensation is the foundational coverage for staff injuries during the course of employment, separate from professional liability (which addresses claims of harm to patients/clients) or general liability (which addresses third-party injuries on your premises). Part of the value of a coordinated review is making sure these lines don’t have unintentional overlaps or gaps between them.
Related FAQs
Yes — this is typically addressed through a combination of professional/medical liability coverage and Directors & Officers (D&O) liability. Professional liability protects against claims tied to clinical services like ultrasounds ...
Not automatically. Volunteer-related exposures are treated as their own category of risk because volunteers often aren't covered the same way employees are under workers' compensation or general liability. This ...
Standard policies are often built for general nonprofits and may not be written with clinic-specific exposures — like APR services, ultrasound operations, or abuse/molestation claims involving vulnerable populations — ...
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