Music Drama Dance Therapy Insurance Arizona. As a recreational therapist, you use dance therapy, art therapy and/or music therapy to help people work through mental, physical and emotional blockages in their lives. Through careful assessment and working alongside medical staff, your clients' family, and your clients, you offer the tools that help your clients recover basic mental and physical abilities.
While you are in the business of making people's lives better, sometimes accidents can happen, and in such cases, costly lawsuits can arise. To keep offering therapeutic services when legal setbacks arise, you need music drama dance therapy insurance Arizona.
Music drama dance therapy insurance Arizona protects your practice from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
Music therapists apply music principles and techniques to improve communication, allow expression of feelings, improve coordination, and increase cognitive and social function.
Drama therapy is a health and human services profession that seeks to facilitate physical integration and personal growth for individuals, couples, families, and various groups by using dramatic and theatrical processes. A drama therapist works in various settings, including hospitals, schools and businesses.
Dance therapy is designed to help people integrate the mental, physical, and emotional aspects of their lives through expressive movement. Dance therapists help clients feel better about themselves and overcome issues in their lives that may be holding them back. Music drama dance therapy insurance Arizona can cover these types of therapists.
Professional Liability - As a recreational therapist using an art to foster patient rehabilitation, the close work you engage in with patients opens the door to accusations against you - accusations of negligence in the treatments you deliver, or accusations of negligence or misconduct. The good news: you can safeguard yourself, and your finances, with professional liability insurance.
Also know as errors and omissions (E&O), with this type of music drama dance therapy insurance Arizona, you can get either an all-risks or named-peril policy. An all risk policy covers all perils, excepting those specifically identified in the policy. In contrast, a named-peril policy covers only the specific risks and perils identified in the policy. In theory, you may need a number of named-peril policies to provide the same scope of coverage offered by a single all-risk policy.
General Liability - Regardless of whether you teach in your own premises or rent a space for individual classes, you can still be held liable for injuries that your students, and anyone accompanying them. General liability insurance covers against compensation claims that are made against you following injury to a third party or damage to third party property.
For example if a dance student slipped on a wet floor in your studio and claimed compensation for injury, your music drama dance therapy insurance Arizona could cover the legal fees and compensation cost.
Business Property - Whether you own or lease your space, AZ property insurance is a must. This music drama dance therapy insurance Arizona provides coverage for equipment, signage, inventory and furniture in case of a fire, storm or theft. However, mass-destruction events like floods and earthquakes are generally not covered under standard property insurance policies. If your area is prone to these issues, check with your insurer to price a separate policy.
Business Owner's Policy - This music drama dance therapy insurance Arizona policy is a package of coverages referred to as a business owners' policy (BOP). A BOP combines liability, property, business income and other options to one standard package that is sold at a lower premium than if each coverage was bought separately.
BOP insurance does not include coverage for E&O and commercial vehicles. Workers' com, health, and disability insurances are also not part of a BOP. BOPs can be a good fit for your practice. Usually, a BOP costs less than buying individual music drama dance therapy insurance Arizona policies for each coverage. If you need other property or liability coverages, you can add them to the package.
Worker's Compensation - Worker's comp provides insurance to your staff if they get injured on the job. This type of music drama dance therapy insurance Arizona provides them with wage replacement and medical benefits. In exchange for these benefits, they give up the rights to sue you for the incident. State laws will vary, but all require you to have AZ workers compensation if you have W2 employees.
Commercial Umbrella - Umbrella policies provide coverage above your other liability coverages. They are designed to cover unusually high losses, when the policy limits of one of the underlying policies have been used up.
As a profession, recreational therapy is relatively low risk but you do need insurance to protect yourself and your business. This is because nowadays people will very easily pursue legal action against you even at the smallest aggravation. It's no wonder that there is an increased incidence of legal claims against therapists.
Anyone who is thinking about starting a business knows that choosing the right location for their operations is essential. The right market and a demographic that will benefit from and be interested in purchasing the products and services a business offers is crucial for the success of an organization. If you're considering Arizona as the location for your company's headquarters or a new division of your business, it's imperative that you make sure the state offers a climate that will allow your operation to thrive.
By analyzing the employment rate and the key industries that are thriving in the state, you can determine if Arizona will be a suitable location for your business. It's also important to be aware of the forms of commercial insurance coverage business owners are required to carry. Below, we look at all three areas to help you decide if the Grand Canyon State is the right place for you to establish a business.
The unemployment rate in Arizona is higher than the national average; as of May, 2019, the rate was 4.9 percent, while the national average as 3.6 percent. However, compared to 2009, when the rate was 10.9 percent, there has certainly been a decrease in the rate of unemployment.
Urban areas are the ideal locations for businesses in the Grand Canyon State, such as Phoenix, Tempe, Scottsdale, and Chandler; but, smaller areas offer promise, too. Payson, Snowflake, Flowing Wells, and Cottonwood are just some of the smaller locations that are seeing economic growth in Arizona.
There are several key industries that are thriving within the state, including:
The Arizona Department of Insurance regulates insurance in Arizona. Commercial insurance is vital for a business, as it protects the interests of all who are involved with the organization; owners, employees, customers, and vendors. Like any other state, certain forms of commercial insurance are mandated in Arizona, meaning business owners are legally required to carry these policies.
All employers are required to carry workers' compensation insurance, as it provides coverage for work-related accidents and illnesses that employees sustain. Commercial liability insurance, which covers third-party personal injury and property damage liability claims, might also required for certain licenses.
For establishments that sell alcohol, liquor liability insurance is a legal requirement. Lastly, companies that rely on vehicles for business-related purposes (truckers, etc.) must carry a commercial auto insurance policy to protect the drivers of their commercial vehicles, as well as other drivers on the road.
Get informed about small business professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.
Let's face reality. People today are claims conscious, resulting in a significant share of malpractice lawsuits against professionals.
Liability resulting from the rendering of or the failure to render professional services is excluded in most liability coverage forms. This means that a policy covering a account's or lawyers' office will cover liability arising out of the maintenance or use of the premises, but specifically exclude liability arising out of the rendering of a professional service or the omission of such a service.
In addition to the professions in which actual physical or mental injury may be caused to clients, certain other professions are exposed to claims for malpractice.
Claims may be brought against lawyers, accountants, architects, and similar professional persons for errors or omissions in their professional capacity. Errors & Omissions insurance pays damages that might be awarded to a plaintiff alleging professional negligence.
Professional liability policies are made available to such risks, and these policies provide essentially the same protection as is afforded under the physicians, surgeons or dentists professional liability policy.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Accounts Receivable, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Professional Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Equipment Breakdown, Flood, Computer Fraud, Forgery, Money and Securities, Special Floater, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.
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Also learn about Arizona small business insurance requirements for general liability, business property, commercial auto & workers compensation including AZ business insurance costs. Call us (480) 937-2697.