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Why do audiologists need insurance?
If an audiologist overlooks a serious underlying condition and prescribes a hearing aid, the result could be a lawsuit. Business insurance helps pay for legal defense costs if a patient accuses you of negligence. It also covers fires, data breaches, and accidents that harm a patient or damage their property.
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What types of business insurance do audiologists need?
These insurance policies cover common risks faced by audiologists.
General liability insurance
A general liability insurance policy covers basic third-party risks, such as a patient who slips during a consultation about hearing problems. It's often required for commercial leases.
BEST FOR
- Slip-and-fall injuries
- Accidents that damage patient property
- Advertising injuries, such as slander
Business owner's policy
This type of policy, also called a BOP, bundles commercial property insurance and general liability coverage under one plan. Small, low-risk audiology clinics are usually eligible for this coverage.
BEST FOR
- Bodily injuries from accidents
- Damaged patient property
- Stolen or damaged business property
Professional liability / medical malpractice
Professional liability insurance, also called medical malpractice insurance, covers legal costs related to professional mistakes, such as failure to diagnose a tumor that caused hearing loss.
BEST FOR
- Failure to refer to a specialist
- Mistake or delay in diagnosis
- Accusations of negligence
Commercial auto insurance
This policy covers the cost of accidents involving an audiology business's vehicle. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Workers’ compensation insurance
Most states require workers' comp for audiology 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
- Legal expenses from employee injuries
Cyber insurance
This policy helps audiology clinics recover financially from data breaches and cyberattacks. It's strongly recommended for any small business that handles personal information.
BEST FOR
- Customer notification costs
- Data recovery
- Fraud monitoring services
Looking for different coverage? See more policies.
How much does business insurance cost for healthcare professionals?
An audiologist who works independently will pay less for insurance than a large audiology clinic.
Factors that affect premiums include:
- Audiology services offered, such as diagnostic hearing tests and hearing aid fittings
- Medical equipment and other business property
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get audiologist insurance?
It's easy to get audiologist liability 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 audiology business, whether you work independently or hire employees.
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