Acupuncture Insurance Pennsylvania (Quotes, Cost & Coverage)

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How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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Acupuncture Insurance Pennsylvania

PA Acupuncture Insurance

Acupuncture Insurance Pennsylvania. If you own a thriving acupuncture business or if you're just starting out and have opened up a small shop, it's important that you insure your business to the fullest to protect the business and your personal finances from the fallout of any potential litigation.

Acupuncturists apply needles at critical points called meridians in the human body to treat a patient's condition. Acupuncture is often used to relieve pain and potentially cure illnesses. While there is no known anatomical basis for the existence of acupuncture points, various governmental studies have shown acupuncture to be an effective means of treatment for managing some types of pain and post-surgical nausea. Acupuncture may also be an effective treatment for such psychological disorders as anxiety and depression. The FDA now regulates acupuncture needles, just as it does syringes. Most acupuncturists work from their own offices, but some may be employed by clinics or medi spas.

Acupuncture is an ancient art that involves the insertion of needles by a trained acupuncturist into particular pressure points throughout the body. Acupuncture offers a variety of different benefits for the body, but it involves heightened risk due to the needle insertion. Litigation in the acupuncture genre is becoming more common, likely due to the widespread number of practitioners offering the service. Whether you work for a spa or have your own business, protecting yourself with a acupuncture insurance Pennsylvania policy is paramount to keeping your business afloat in the event of a claim.

Acupuncture insurance Pennsylvania protects your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.

Why Do You Need Acupuncture Insurance?

Although acupuncture is mainly focused around healing people, as an acupuncturist or the proprietor of acupuncture practice, you should never brush thoughts of accidents occurring to the back of your mind. As a practitioner offering services to people in the public at large, you have a great risk for liability. This is doubly true when you work with the needles that are used during acupuncture services.

For example, your patient may suddenly shift on the table and fall off, leaving you accused of being negligent. You may find yourself in court facing negligence charges. With the right level of acupuncture insurance Pennsylvania in place, then you can be assured that your personal financial assets are protected, and you can also defend your reputation. This insurance deals with these sorts of business risks.

Malpractice Insurance and Your Business

Health professionals of all types, including acupuncture professionals, require professional acupuncture insurance Pennsylvania liability coverage. This coverage protects you against the inherent risks that accompany your particular field. For example, if a client claims an injury occurred at your hands or that you did not exercise the amount of diligence you should in order to keep him from harm, you can be held liable and face stiff penalties and monetary awards. Even if the suit brought against you isn't a valid one, you still have to pay for an attorney to defend you, and legal costs are not cheap. With this coverage in place, all of that's taken care of for you.

Even if you work for an acupuncture clinic where your employer carries this insurance, keep in mind that policies have limits. If you are personally named in a lawsuit or claim, the company may even decline coverage, leaving you holding the proverbial bag. This means you're responsible for any settlement awards, court costs, and legal fees. If the employer's policy covers you, it probably only provides a specific set amount of money for claims, and it may not be enough. Having personal liability insurance, even if you work in a group, means that you get the peace of mind that comes from knowing you're protected, giving you more energy to focus on pleasing your clients.

Liability Insurance Types to Think About

A commercial insurance agent can help you craft a acupuncture insurance Pennsylvania policy that is just right for your needs, based on the risks that you face. The policy usually begins with a solid foundation made from a general liability policy. This basic insurance is essential for all practicing acupuncturists and most businesses. It protects your business in the event of lawsuits or accidental injuries and property damage.

You can also select several different types of insurance that are focused on specific risks. Some of the most popular for acupuncture businesses include:

  • Products liability: If you use products that may irritate the patient or cause pain, then you may be held liable for any medical expenses the person has as a result. For instance, if the patient has overly sensitive skin, and you use an ointment on the skin that results in a rash, the resulting doctor bill and any other expenses may be forwarded your way.
  • Premises liability: For times when you visit patients at home or when patients come to you in your office, this protection provides you with peace of mind that any accidents or property damage resulting from your interaction are not your financial responsibility.
  • Errors and omissions. If you give advice for treatment and the treatment is unsatisfactory, this type of policy can be advantageous for any claims filed as a result.

Additional Considerations

There are several other types of acupuncture insurance Pennsylvania that may be essential for your particular business model. A business owner's policy, or BOP policy, can combine property coverage, general liability, and other policy riders you choose.

Commercial insurance for your vehicle (business auto) is also a consideration. If you use a personal vehicle to make home visits, then your auto policy is not sufficient. A commercial auto policy is a must in this situation.

All businesses have their own unique needs. Work with your commercial agent to find the right company for your insurance and the right rate for your budget.

Pennsylvania Acupuncturist's Risks & Exposures

Premises liability exposure is low due to the limited number of visitors to the premises. To prevent slips, trips, or falls, all areas accessible to patients must be well maintained with floor covering in good condition. The number of exits must be sufficient, and be well marked, with backup lighting in case of power failure. Steps should have handrails, be illuminated, marked, and in good repair. Parking lots should be maintained free of ice and show.

Professional exposure can be very high. The exposure increases if the provider fails to conduct thorough background checks to verify employees' credentials, education, and licensing (if required by the state). Needles and other equipment must be sterilized and sanitized to prevent the spread of blood-borne infectious diseases such as hepatitis, HIV, and AIDS. Needles may puncture organs. If the acupuncturist offers extended or permanent needle insertion, acupressure, cupping, and/or electro acupuncture, the professional exposure increases significantly. Finally, inappropriate touching and sexual misconduct must be considered.

Products liability exposures may include the sales of ointments, herbs or other therapeutic aids to patients.

Workers compensation exposure is due to the possible transmission of disease from a patient and working around bodily fluids. Gloves and masks must be used when working around bodily fluids. Puncture wounds are possible from working with needles, which should be disposed of quickly in proper containers. Lifting should be kept to a minimum to avoid back injuries, strains, and sprains. Since patient information and billings are done on computers, potential injuries include eyestrain, neck strain, carpal tunnel syndrome, and similar cumulative trauma injuries that can be addressed through ergonomically designed workstations.

Property exposures to fire and crime are usually low because the equipment used is inexpensive, nonflammable, and not attractive to thieves. Ignition sources are generally limited to electrical wiring, heating, and air conditioning systems. The business income and extra expense exposure is very low as operations can be quickly resumed at an alternate location.

Crime exposure is from employee dishonesty involving both money and inventory. Background checks should be conducted on all employees handling money. All ordering, billing, and disbursement must be handled by separate individuals. Money and securities are a concern if payments are accepted on premises. Deposits should be made regularly and money should not be kept on premises overnight.

Inland marine exposure includes accounts receivable if the acupuncturist bills patients for services and valuable papers and records for patients' and suppliers' information. If the acupuncturist goes to the patient's premises to perform services, off-premises coverage may be needed, but property values are generally low. There may be a computer for office records.

Business auto exposure is generally limited to hired and nonownership liability for employees running errands. If there are owned vehicles, all drivers should be licensed with acceptable MVRs. Vehicles must be maintained and records kept in a central location.

Pennsylvania Economic Business Outlook & Commercial Insurance Requirements

While you might have a fantastic idea for a business, if you aren't setting up shop in the right PA location, there's a good chance that you won't see the success that you hope to achieve. With that said, it's important that you have an understanding of the economic status of the state that you are thinking about doing business in. It's also important for you to know what type of rules and regulations regarding insurance are in place in that state.

Made In Pennsylvania

If you are thinking about doing business in the Commonwealth of Pennsylvania, keep on reading to find out some valuable information that you can use to make the best choices for your operation.

Pennsylvania's Economy Now And Into The Future

In terms of the economy, Pennsylvania's future looks pretty bright. It boasts the sixth largest economy in the United States. It is also home to some of the largest private and public organizations in the nation, as per sales.

The job market is expected to see steady growth in Pennsylvania during the 2018 calendar year. That rate is expected to be 1 percent, which is a marked increase from previous years. This is largely due to the high pool of educated laborers that reside in the state. Currently the unemployment rate is 4.9 percent, which is on-par with the rest of the nation. It is believed that the unemployment rate will continue to drop as more jobs are added.

For business owners, there are several industries that will afford success. The food products industry, particularly related to agriculture, contributes largely to the state's economy. This is expected to continue moving forward throughout the 2018 calendar year. Other industries that are forecasted to see growth include:

  • Education
  • Healthcare
  • Manufacturing
  • Mining
  • Printing & Publishing

If you are thinking about doing business in PA, working in one of these industries will likely afford you success.

Insurance Requirements For Businesses In Pennsylvania

The Pennsylvania Insurance Department regulates insurance in PA. Business owners are legally required to carry workers compensation insurance. This type of coverage is a must for any business that employs any W2 part-time or full-time employees, and for employees that are either hourly or salaried. You must also carry PA commercial auto insurance if you plan on using a vehicle to conduct anything related to your business.

While commercial liability insurance is not required in Pennsylvania, it is still a wise idea to invest in. This type of coverage will protect you from the cost of any lawsuits that could potentially arise.

Additional Resources For Health & Beauty Insurance

Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Health And Beauty Insurance

The health and beauty industries help people look good and feel great about their appearance and health. Some of the most popular are:

Cosmetologists - typically can help people with hair styling, cosmetics, and manicures and pedicures.

Estheticians - are trained to work with clients to treat skin care issues.

Hair Dressers & Barbers - offer a variety of services such as; hair cuts, styling, perms, hair dying and highlighting.

Health Club - Gyms, fitness centers, and health clubs focus on promoting healthy lifestyles and active living.

Massage Therapy, Reiki & amp; Acupuncture - can help relieve stress and improve your clients health. Work can be done in a salon, medical office, or home based. Also in your client's homes.

Permanent Makeup & Microblading - Offers coverage for permanent cosmetics, pigment removal and lightening, lasers/IPLs, and needling/MCA.

Salons - Similar to spas, salons are offer customers beauty treatments, services and products.

Spas - Have more exposures for the risks of faulty equipment, products, or unskilled employees that can injure customers.

Tattoo - Tattoo parlor and body-piercing coverage is designed to address the specific risks of artists and their studio.

Yoga & Pilates - forms of exercise designed to improve mind, body and spiritual wellness.


Request a free Acupuncture Insurance Pennsylvania quote in Aliquippa, Allentown, Altoona, Ambridge, Baldwin, Beaver Falls, Bellevue, Berwick, Bethel Park, Bethlehem, Bloomsburg town, Bradford, Brentwood, Bristol, Brookhaven, Butler, Camp Hill, Canonsburg, Carbondale, Carlisle, Carnegie, Castle Shannon, Chambersburg, Chester, Coatesville, Collingdale, Columbia, Connellsville, Conshohocken, Darby, Dormont, Downingtown, Doylestown, DuBois, Dunmore, East Stroudsburg, Easton, Economy, Elizabethtown, Ellwood, Emmaus, Ephrata, Erie, Franklin Park, Gettysburg, Glenolden, Greensburg, Grove, Hanover, Harrisburg, Hatboro, Hazleton, Hermitage, Huntingdon, Indiana, Jeannette, Jefferson Hills, Johnstown, Kingston, Lancaster, Lansdale, Lansdowne, Latrobe, Lebanon, Lewistown, Lititz, Lock Haven, Lower Burrell, McKeesport, Meadville, Mechanicsburg, Middletown, Millersville, Milton, Monessen, Monroeville, Morrisville, Mount Joy, Munhall, Murrysville, Nanticoke, New Castle, New Cumberland, New Kensington, Norristown, Northampton, Oil, Old Forge, Palmyra, Perkasie, Philadelphia, Phoenixville, Pittsburgh, Pittston, Pleasant Hills, Plum, Pottstown, Pottsville, Quakertown, Reading, Ridley Park, Scranton, Shamokin, Sharon, St. Marys, State College, Sunbury, Swissvale, Tamaqua, Uniontown, Warren, Washington, Waynesboro, West Chester, West Mifflin, White Oak, Whitehall, Wilkes-Barre, Wilkinsburg, Williamsport, Wilson, Wyomissing, Yeadon, York and all other cities in PA - The Keystone State.


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Acupuncture Insurance
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