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Why do acupuncturists need insurance?
Your acupuncture clinic promises treatments to improve countless health conditions. But if a patient has a bad reaction, you could face a lawsuit. Acupuncturist insurance covers legal expenses, fires, injuries, and other risks. Some policies, like workers' compensation, may be required by law.
Find the right coverage
Insureon helps acupuncture professionals find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right acupuncture liability insurance.
What types of business insurance do acupuncturists need?
These insurance policies cover the most common risks of acupuncture.
General liability insurance
A general liability policy covers basic third-party risks at an acupuncturist's office, such as a customer tripping on your front step. It's often required for commercial leases.
BEST FOR
- Slip-and-fall injuries
- Patient property damage
- Libel and other advertising injuries
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's often the most cost-effective type of commercial insurance for acupuncturists.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Business property damage and theft
Workers’ compensation insurance
Most states require workers' comp for acupuncture practices that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Professional liability / medical malpractice
This policy covers legal defense costs related to professional errors and oversights. It's sometimes called E&O insurance or acupuncture malpractice insurance.
BEST FOR
- Failure to refer to another physician
- Accusations of negligence
- Accidental injury caused by a needle
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by a small business. It helps cover the cost of an accident involving your business vehicle.
BEST FOR
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Cyber insurance
This policy helps acupuncture clinics survive data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.
BEST FOR
- Customer notification expenses
- Data breach lawsuits
- Fraud monitoring costs
Looking for different coverage? See more policies.
How much does insurance cost for acupuncturists?
A small acupuncture clinic will pay less for insurance than a larger business.
Factors that affect premiums include:
- Acupuncture services offered, such as cupping and heat treatments
- Years of experience
- Business property and equipment
- Types of insurance purchased
- Policy deductibles and liability limits
How do I get acupuncture insurance?
It's easy to get acupuncture business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your acupuncture clinic, whether you work independently or hire employees.
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