Insurance for Health Services and Social Work
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Why do Health Services and Social Work organisations need insurance?
As a health services professional, small mistakes can have big consequences. So while you’re busy looking after your clients, we will assist you with looking after your risks . With just a few clicks or a single phone call, you’ll get multiple competitive quotes from some of South Africa’s leading insurers. Select your preferred policy and you’ll be covered instantly, so you can continue running your business.
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What should I consider before purchasing insurance for my Health Services business?
Protecting your business from unexpected events and challenges is where business insurance comes into play – providing cover for your business when you need it most for things like theft, business interruption and electronic equipment.
Fundamental insurance for Health Services and Social Work
Contents
Contents insurance is designed to provide cover for your office contents (tables, chairs, cabinets), as well as machinery and stock when an insured event occurs – such as fire, storm or theft (only limited theft cover, for comprehensive theft cover see the Theft section).
If you own the building where your business activities take place, you should consider Buildings insurance.
Electronic Equipment
Electronic Equipment is important as many health service businesses depend upon a wide range of electronic equipment which includes computer-based cash registers integrated with point-of-sale (POS) management systems, air conditioning, specialised medical equipment and more. These high-value items need to be specifically included in your business insurance policy to protect you in case of damage due to flood, fire, snow, hail, wind, impact, explosion, subsidence, as well as theft and damage caused by power surges.
Public Liability
Whether you work from your own practice, make home visits or attend to your clients in hospital, you are always in close contact with them, making Public Liability insurance important for health services professionals.
Public Liability insurance is designed to provide protection for you and your business in the event that a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities. Slips, trips, or other mishaps caused by your negligent business activities means there is a risk of personal injury or property damage claims being made against your business. This does not cover professional indemnity (if you are looking for professional indemnity insurance, please contact us).
Theft
Theft is a constant threat to your business’s ability to serve your clients, especially in South Africa. Consider the potential downside if you arrived at work one morning and everything was taken overnight. Theft cover is to get you back to being operational as soon as possible after a theft incident. If one of your employees steals from you, you’ll need Employee Dishonesty cover.
Regularly selected insurance for Health Services and Social Work
Cyber
Cyber Liability insurance helps to protect you against claims and supports your profitability in the event of a cyber breach or attack. Chances are that you handle sensitive information about your clients, whether its details about their personal health or billing information which you are responsible to keep safe.
Motor
Motor vehicles are an important part of doing business for most health services businesses. They are needed for sales reps, and getting to patients. South Africa’s roads are dangerous and many businesses face large losses when uninsured vehicles are involved in collisions or are stolen. Getting good motor insurance will allow you to get back to work faster after an accident or theft.
Goods In Transit
Goods in transit covers the transporting of goods which is an essential part of most health services businesses. Getting cover for your stock while it is in transit will protect your business from the risk of theft and collision on South Africa’s roads.
Business Interruption
Business Interruption is important for continuity in any business. Customers have booked appointments weeks in advance and if they don’t keep their appointments your business won’t receive income. Business Interruption provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as fire, storm or wind). You can also insure additional costs that your business might have after an event.
Getting the right insurance for your Health Services and Social Work business
Your health services provider business is unique, having its own risks and insurance needs. Bi-me gives you access to multiple quotes to compare with some of South Africa’s top insurers, so you can choose the right cover to suit your business.
Our friendly team is only a phone call or a few clicks away to assist with getting your business covered in minutes.
Did you know?
If you are renting your business’s premises, part of your commercial lease may require you to take out glass cover.
Could this happen to my business?
Slipping up
A speech therapist was sued by a visitor to her facility after the visitor allegedly slipped and fell on some tiles that had been recently mopped. The plaintiff sued for damages and the insurance company covered legal defence costs for the speech therapist. The claim was dismissed, but the fees exceeded R100 000.
Theatre thieves
Thieves broke into a small practice and forced the staff to give them the contents of the safe, which included all of the cash received over the previous three days.