Frequently Asked Questions About
Commercial General Liability Insurance
How much does small business 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. (read more)
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. (read more)
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.
Diet Nutrition Services Insurance Washington
Diet Nutrition Services Insurance Washington As a dietitian or nutritionist, you are an expert in food, nutrition, and how to maintain health through proper eating. From dispensing dietary advice to planning meals, your patients rely on your guidance to develop good eating habits and reach their health goals. Your assessment and counsel can help patients manage nutrition-related diseases or deficiencies and prevent them altogether.
With wellness at the heart of your job, it may seem quite unlikely that you would be sued for the professional guidance you provide. Sadly, in an age where people are quick to sue, you can be. Whether you're self-employed or work in a hospital, nursing home, health club or food-related corporation, the best safeguard against a claim or allegation stemming from your professional services is your own diet nutrition services insurance Washington policy.
Diet nutrition services insurance Washington protects your firm from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
How Can Diet Nutrition Services Insurance Protect You?
Your insurance can be tailored to fit the industry specific risks you face. To make it more convenient for you, a custom diet nutrition services insurance Washington package can be put together to protect both you and your business.
Key Exposures For Dietitians And Nutritionists
- Copyright and trademark infringement.
- Negligence in providing support services.
- Failure in developing appropriate programs and services.
- Negligence in counseling clients.
- Wrong advice given to clients.
- Negligence in rehabilitation of clients.
- Negligence in training clients how to deal with daily activities.
Important Coverages For Dietitians And Nutritionists
Your diet nutrition services insurance Washington policy should include some or all of these coverages:
Professional Liability Insurance: Coverage for wrong advice or negligent mistakes while performing your services. This includes:
- Legal Expenses - Coverage for complaints such as professional misconduct or sexual abuse filed with regulatory boards.
- Criminal Defense Costs Reimbursement - Covers you for court cases filed under the criminal code. You will be reimbursed provided you are not found guilty of the criminal charges.
Also, if a client complains about you to a state licensing board, you could face the challenge of defending your practice and license - and thousands of dollars in legal fees. This diet nutrition services insurance Washington policy will reimburse you for your defense of disciplinary charges arising out of the incident.
Your diet nutrition services insurance Washington policy will also reimburse you for lost wages and covered expenses incurred when attending a trial, hearing, or proceeding as a defendant in a covered claim.
General Liability Insurance: If one of your patients trips and falls in your office and breaks a wrist when catching him or herself, you could be sued for the cost of medical bills. Commercial general liability will provide funds for the legal costs associated with defending your business, including attorney's fees, docket costs, and any settlements or judgments you're found to be liable for.
WA Dietitian or nutritionists that rent or lease and commercial location may also need general liability insurance in order to meet lease requirements with their landlord.
Workers' Compensation Insurance: This diet nutrition services insurance Washington policy protects you against claims from employees for your legal liability for any death, disease or injury sustained during the course of their employment and it is a legal requirement for the majority of employers. When you have workers comp as part of your business's overall risk management plan, you have an added layer of security against the risks outside your realm of control.
WA workers comp can provide the necessary funds to cover immediate medical attention, such as a visit to the ER, if an employee is injured at work. This coverage can also compensate your employee for the foregone income they would have earned while they recover.
WA Diet Nutrition Services Insurance
As WA diet/nutrition services provider, you work hard in your career and the care and treatment of your patients. A disciplinary action or malpractice lawsuit can have unforeseen consequences on both your career and financial future. Chances are your employer may offer insurance coverage, but there are oftentimes limitations and you are not fully protected. Having your own diet nutrition services insurance Washington policy is the best way to incorporate personal risk management and peace of mind.
Washington State Economic Outlook & Business Insurance Requirements
For anyone who is thinking about starting up a business, it is important that they choose a location that suites the industry that they wish to work in. With that said, in order to determine whether or not a location is the right choice for your business, you should have an idea about the state's economic status. You should also have an understanding of the WA state regulations related to the types of commercial insurance that you are required to carry.
If you are thinking about starting up a business in the State of Washington, below, we offer some insight into the state's economic status. We also offer a glimpse at the WA insurance requirements that business owners must abide by.
State Of The Economy In Washington
Washington state may be famous for its gloomy weather, but when it comes to the economy, things here look bright. The economic outlook for Washington is healthy. It is expected that there will be more jobs added in the 2019 calendar year. There will be an increase in the productivity of labor. There will also be an increase in the state's unemployment rate during the year 2019, with a forecasted rate of 4.7 percent.
Washington is regarded as one of the top for businesses in the nation. In fact, it is listed at the 11th best state for business by Forbes. The industry that is expected to see the most growth are related to STEM (science, technology, engineering, and math). Among the top industries in this state include information technology. Education, healthcare, finance, and travel and tourism also contribute largely to the awesome economy of this state.
Commercial Insurance Requirements In WA
The Washington State Office of the Insurance Commissioner regulates the insurance industry in WA. Businesses are legally required to carry workers' compensation insurance. This type of coverage is required for any business that employs either hourly or salaried employees, and either part-time or full-time employees. You are also required to carry commercial auto insurance if you use a vehicle to conduct any type of business in this state. That means that if you are using a car to transport goods, make deliveries, or meet with clients, you must carry business auto insurance.
While commercial general liability insurance is not required in Washington, it is highly recommended. This type of insurance offers protection from lawsuits and other legal fees that may 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.
- Barber Hair Dresser
- Beauty Salon
- Day Spa
- Diet Nutrition Services
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Weight Loss Center
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.
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Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.