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Healthcare business insurance typically refers to a package of insurance coverages that are designed to protect businesses that sell products or services directly to customers. Depending on the specific needs of your retail business, the following types of coverages may be necessary:
General Liability Insurance – This coverage protects the business from claims of bodily injury, property damage, or personal injury that may occur on the premises of the business or during the course of business operations.
Professional Liability Insurance – This coverage, also known as malpractice insurance or errors and omissions insurance, protects the business from claims of negligence, errors, or omissions in providing healthcare services.
Workers’ compensation Insurance – This coverage provides benefits to employees who are injured or become ill on the job, and also protects the business from being sued by employees for workplace injuries.
Property insurance: – This coverage protects the business from damage or loss to its physical assets, such as equipment, supplies, and property.
Cyber Liability Insurance – This coverage provides protection against data breaches and other cyber-related risks that may affect your business and your customers.
In Texas, insurance companies offer a variety of healthcare business insurance packages that can be customized to fit the specific needs of your business. To determine the right coverage for your business, it’s best to consult with a licensed insurance agent who can help you assess your risks and recommend the appropriate coverages.