Types of Professional Acupuncturist Insurance Policies

As an acupuncturist, you can be held personally liable for a number of work-related claims. Whether it’s for medical negligence or a cyber data breach, you can be held responsible even if you are not at fault. For that reason, it is important to understand all of the acupuncture liability insurance coverage options offered through CM&F. Professional liability acupuncture insurance is a basic necessity for all active practitioners, and adding on a few coverage options below can ensure your career, assets, and future are fully protected.

What is professional acupuncture liability insurance?

Professional acupuncture liability insurance, also known as acupuncture malpractice insurance or acupuncturist insurance, protects acupuncturists from claims associated with wrongful practice resulting in bodily injury, medical expenses and/or property damage, as well as the cost of defending lawsuits related to such claims. There are two types of acupuncture insurance coverage: occurrence and claims-made policies. Occurrence policies accommodate long tail events, or situations that don’t produce lawsuits or claims right away. A claims-made policy offers coverage only when a claim is filed during a policy period. While a claims-made policy may have a lower premium than occurrence, a claims-made policy owner may need tail coverage to protect themselves from claims made after the policy expires.

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Some examples of malpractice claims include:

  • Failure to diagnose an existing medical condition that a reasonably competent professional is capable of diagnosing
  • Improper patient care or negligent medical treatment that negatively impacted a patient
  • Failure to warn a patient of all the possible risks involved with a procedure or treatment method

What is workplace liability insurance?

Workplace liability insurance protects AOM business owners from financial losses should an employee or patient be injured in the workplace. The injury can be both work-related, or simply just an unfortunate accident. All of CM&F’s acupuncture group professional liability insurance policies include workplace liability coverage.

Some examples of workplace liability claims include:

  • A patient comes to your office and they slip on a wet tile causing injury
  • An employee suffers an injury while performing their job on-site

What is general liability insurance?

General liability for acupuncturists covers physical risks, such as bodily injury or property damage. It differs from professional liability insurance, which is coverage for errors and omissions in provider services. General liability is available as an add-on to self-employed acupuncturist insurance policies, as well as acupuncture group liability insurance holders with CM&F.

Some examples of general liability claims include:

  • A patient that suffers a slip and fall incident at a workplace
  • Property damage that you or an employee is responsible for causing

What is cyber liability insurance?

Cyber liability insurance covers the cost for a business to recover from a data breach, virus, or other cyberattacks where patient PII is compromised. It also covers the legal claims that result from a patient data breach. Acupuncturist group/clinic owners should invest in a cyber liability insurance policy to protect the future of their business.

healthcare provider charting notes on computer

Some examples of a cyber liability claim include:

  • Computer software is stolen that contains sensitive patient information. The cost to rectify the situation is covered by cyber liability insurance.
  • A spyware virus compromises patient information. In turn, patients with information compromised by the virus file a lawsuit. The cost of legal fees will be covered with cyber liability insurance.

CM&F has made it their goal to protect all acupuncturists by offering a full-suite of affordable liability insurance for AOM practitioners, designed to bring you peace of mind as you grow your career or your AOM business.

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CM&F was founded over a century ago. Through up and down markets, CM&F’s dedication to holistic medicine professionals has never wavered. CM&F remains committed to making it easy and cost-effective to secure vital professional coverage with:
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Resources for Acupuncture & Holistic Medicine Professionals

At CM&F, we believe in the importance of a lifelong relationship, and in order to build that we are dedicated to being an educational resource for acupuncturists. To accomplish this we have compiled a vast amount of information from salary figures, to evaluating coverage options, and even blog posts written by fellow healthcare professionals.

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