Our small business policy has been specifically designed for Therapy practitioners who operate their own Office, Clinic, or Studio.  It covers Property, Crime, Business Interruption and Commercial General Liability coverage all on one policy

What does it cover?

Blanket Coverage on Contents of Every Description “All Risk Form” up to $100,000 (including computer and related material) Subject to a $1,000 deductible
Featuring at no additional cost:

• Replacement cost on Equipment
• Tenants Improvements
• Business Interruption
• $10,000 Extra Expenses to resume operations
• $25,000 Valuable Papers
• $25,000 Accounts Receivable
• Newly-Acquired Location
– Contents $250,000
– Building $1,000,000
• $10,000 Transit Coverage
• $10,000 Fire Department Charges
• Sewer Back-up
• Glass/Signs Included
• $5,000 Off -Premises Coverage
• Building Damage by Theft

Multi-Item Crime Insurance

Covering up to $10,000 per item
Including:
• Employee Dishonesty
• Loss Inside the Premises
• Loss Outside the Premises
• Money Order and Counterfeit Paper Currency
• Depositors Forgery

Commercial General Liability (Third Party Public Liability)
Inclusive Limit for Bodily Injury and Property Damage: up to $5,000,000 per occurrence

Including:
• Premises/Operations Liability
• Personal Injury Liability
• Advertising Injury Liability
• Broad Form Bodily Injury
• Cross Liability Clause
• Medical Payments ($5,000/Person)
• Non-owned Automobile Liability
• Tenants Legal Liability
• Employer Liability
• Employees as Additional Insureds
• Broad Form Tenants Legal Liability
• Physical Damage to Hired Non-owned Automobiles
• Property Damage Deductible ($1,000)

Note: Purchased coverage may vary from above and claims are only paid out based upon coverage purchased terms and conditions of policy issued.

We are also able to place property, liability and professional liability insurance for operators of Hospice, Palliative Care, Care Homes, Nursing home, Sleep clinics, Addiction clinics, Group Homes, Medical clinics, Fertility clinics, Mental Health facilities and more.