The Hartford doesn’t offer audiologist insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Audiologist Insurance?
Audiologist insurance is another name for small business insurance. It’s an insurance package made up of different types of business insurance coverages to help protect you from various risks. It’s designed to safeguard your practice against claims related to accidents, injuries or damages that can happen while you work with patients.
Although The Hartford doesn’t offer audiologist insurance, we work with Tivly to help you get the coverage you’re looking for.
Why Do You Need Audiologist Insurance?
Your audiology practice can be held liable for injuries, damages or disputes that occur while you’re providing care. Without audiologist insurance, you might be stuck paying for expensive medical bills or legal fees out of pocket. Audiologist liability coverage offers comprehensive protection, including from claims related to medical negligence and malpractice.
Audiologist insurance can help protect your practice from potential risks in the healthcare industry, like if:
- A faulty hearing aid prompts a patient to lodge a complaint against your practice.
- Diagnostic equipment fails, forcing you to reschedule patient appointments until it’s repaired.
- An employee files a discrimination complaint against your business.
How Much Does Audiologist Insurance Cost?
What you pay for audiologist insurance will vary. Insurance companies may base the cost of your coverage on many factors, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- Coverage limits you select
Audiologist Insurance Coverages
When it comes to safeguarding your audiologist practice, you’ll want to ensure you have the right protection for the risks you face. You can tailor your liability insurance policy with additional coverages, such as:
- General liability insurance, which helps protect your practice from claims that it caused bodily injury or property damage to others, like patients or delivery drivers.
- Workers’ compensation insurance, which helps support your employees as they recover from a work-related injury or illness.
- Commercial auto insurance, which helps pay for property damage, medical bills and legal fees resulting from a work-related accident. For instance, if you or an employee is using a company-owned vehicle to pick up office supplies, this coverage helps protect them.
General Liability Insurance
“One of our patients tripped over the rug in our waiting room and fell hard on his knee. He ended up needing to see a specialist.”
General liability helps cover claims that your practice hurt somebody else. It can help cover their medical bills or your legal costs if you get sued.
Water Contamination Coverage
“When the city issued a ‘Do Not Drink’ advisory, we had to stop using tap water for almost two weeks. We went through a lot of bottled water for patients and staff, and the unexpected cost added up fast.”
Drinkable water coverage can help replenish lost income if your clinic has to shut down due to water contamination. It can also help cover the cost of purchasing bottled water so you can stay open.
Workers’ Compensation Insurance
“Our technician slipped while bringing in a delivery and broke his ankle. He had to go to the emergency room and needed some time off.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages if they can’t work.
Professional Liability Insurance
“A customer sued my practice after they had to get another hearing aid. They claimed the hearing test my technician provided wasn’t adequate.”
Professional liability insurance helps protect your practice if someone claims that it made a mistake in the services provided. This coverage is also known as audiologist malpractice insurance.
Commercial Property Insurance
“When a fire spread to our building, part of the roof collapsed. The repairs to the building and inside the office were extensive.”
Commercial property insurance helps protect your business' equipment, furniture and tools from loss or damage caused by events like storms, fires, vandalism or leaky plumbing.
Lost Medicine Coverage
“When our building’s HVAC went out during a cold snap, the freezing temps ruined all our molding materials. The time it took to replace them put us behind on custom ear molds for patients.”
Spoilage insurance, also known as lost medicine coverage, can help protect products that need to maintain a certain temperature in order to stay usable.
Frequently Asked Questions About Audiologist Insurance
What Are the Risks of Not Having Audiologist Insurance?
Without audiologist insurance, your practice could face significant financial risks. If a patient files a malpractice claim, such as claiming that an incorrect hearing aid fitting caused further hearing loss, you might have to pay for costly legal fees or settlements out of pocket.
Beyond malpractice, other risks can impact your business. These risks can include employee injuries from repetitive tasks, discrimination or wrongful termination lawsuits and even inventory spoilage if a power outage damages your stock of hearing aids and diagnostic equipment. Property damage from fire, theft or natural disasters can also be devastating, especially for a small practice.
What Does Audiologist Insurance Cover?
Audiologist insurance is a collection of insurance coverages that helps protect your audiology practice from various risks. For example, if a fire breaks out in your office and you can’t operate, business income insurance can help replace your lost income. Or if your hearing aid specialist accidently pricks themselves, workers’ compensation insurance can help pay for their medical bills.
In addition, you can get other types of insurance to extend protection to the expensive diagnostic equipment you use, like audiometers and tympanometers.
How Do I Get Audiologist Insurance?
The Hartford doesn’t offer insurance coverage for audiologists, but we know small businesses face unique risks every day. That’s why we work with Tivly to help you get the coverage you need. The best way to get audiologist liability insurance is to get a quote through Tivly.
Get a Quote for Audiologist Insurance
The right coverage lets you focus on what matters most – helping your patients hear life’s best moments. The Hartford works with Tivly to help you get the coverage you need.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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